Applications / Mortgage Analytics / Lenders / New York / CrossRoads Community Federal Credit Union
Cheektowaga, NY · Credit union · NCUA · $92.5 million assets · 19 loans in 2025
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19
loans originated, 2025
29
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CrossRoads Community Federal Credit Union is a small Buffalo-area credit union whose 19 home loans in 2025 were all for home improvement or other purposes, none to buy or refinance a home.
Of its 19 loans, 57.9% were for other purposes and 42.1% for home improvement. That makes it a lender against homes members already own, not a purchase or refinance lender. Similar lenders, credit unions making between half and twice as many loans, typically made 25. On so few loans, comparisons of loan size, price or neighborhood with those peers would rest on too little to read much into.
The credit union first reported under the federal home-loan disclosure law in 1994, but it has filed only in some recent years: 30 loans in 2023 and 19 in 2025. Years without a report, including 2024, are gaps in the record rather than years without lending. In 2012 it merged with Buffalo Fire Department Federal Credit Union, whose filings now count as its own in the competition figures.
All its lending was in one county around Buffalo-Cheektowaga, where it ranked 144 of 267 lenders and its share rounds to 0.0%. United Wholesale Mortgage and M&T Bank lead that market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. CrossRoads Community Federal Credit Union took 29 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 57.9% · Home improvement 42.1%
Conventional 100.0% · of 19 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 19 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 19 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FT9OP3VNCXMZ53 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 759670 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52508 | 1994–2017 |
Established 1 January 1938. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: CrossRoads Community Federal Credit Union's data.
CrossRoads Community Federal Credit Union's data
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CrossRoads Community Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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