Applications / Mortgage Analytics / Lenders / New York / Kenmore N.Y. Teachers Federal Credit Union
Buffalo, NY · Credit union · NCUA · $65.3 million assets · 29 loans in 2025
Kenmore N.Y. Teachers Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
29
loans originated, 2025
29
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kenmore N.Y. Teachers Federal Credit Union, a small Buffalo credit union that first reported in 2022, makes no home-purchase loans at all: its lending is home improvement and other purposes.
Of its 29 loans in 2025, 62.1% were for other purposes and 37.9% for home improvement. It made no home-purchase loans and no refinances. Every loan was conventional, with no government backing. That makes it a lender of home-improvement and other small loans rather than a mortgage lender in the usual sense.
Its typical loan was $55,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. That is smaller than at more than nine in ten of them, and fits a book of home-improvement and other small loans.
It made 72 loans in its first reported year, 2022, then 41, then 30, and 29 in 2025. That last step, a fall of 3%, matched the middle of similar lenders, while the whole market grew 10%. It filed no report from 2018 to 2021; those are gaps in the record, not years without lending. With fewer than 30 loans, its shares of lending to particular borrowers and neighborhoods are too small to read much into.
It lends in Buffalo-Cheektowaga, where it ranked 131 of 267 lenders, and in Rochester, where it ranked 194 of 251. United Wholesale Mortgage led Buffalo; Premium Mortgage led Rochester.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Kenmore N.Y. Teachers Federal Credit Union took 29 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 62.1% · Home improvement 37.9%
Conventional 100.0% · of 29 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 | 29 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 28 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 894500C7FEAC4HQJCK52 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 808372 | 2022–2023 |
Established 1 January 1935. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Kenmore N.Y. Teachers Federal Credit Union's data.
Kenmore N.Y. Teachers Federal Credit Union's data
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Kenmore N.Y. Teachers 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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