Applications / Mortgage Analytics / Lenders / New York / People's Alliance Federal Credit Union
Hauppauge, NY · Credit union · NCUA · $319 million assets · 13 loans in 2025
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13
loans originated, 2025
37
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
People's Alliance Federal Credit Union, a New York credit union that has reported since 1990, made just 13 mortgages in 2025, about a quarter of its count in 2020.
Its loans peaked at 48 in 2020 and have fallen most years since, to 18 in 2023 and 2024 and 13 in 2025. The 2025 drop was 28%, against a fall of 17% at the typical similar lender (credit unions making between half and twice as many loans) and a rise of 10% in the whole market.
Purchases, home improvement and other purposes each made up 30.8% of its 13 loans; refinances made up the rest. All were conventional, with no government-backed loans. On so few mortgages, its shares of lending to poorer borrowers and neighborhoods, its loan size and its rate move with every loan, and say little about how it lends.
It has lent in the New York-Newark-Jersey City market since 1990 and ranked 554 of 802 lenders there in 2025; JPMorgan Chase Bank ranks first. It also lends far from home: in Ocala, Florida, since 2006, and for the first time in 2025 in Trenton-Princeton and Wildwood-The Villages. Its share of each rounds to nothing, too small to call a push into new markets.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. People's Alliance Federal Credit Union took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 30.8% · Other 30.8% · Purchase 30.8% · Refinance 7.7%
Conventional 100.0% · of 13 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 | 9 | 69.2% |
| Florida | 2 | 15.4% |
| New Jersey | 2 | 15.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 8 |
| New York-Jersey City-White Plains | 2 |
| Ocala | 1 |
| Trenton-Princeton | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R0CN5YKL3VTP86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 382078 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53633 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: People's Alliance Federal Credit Union's data.
People's Alliance Federal Credit Union's data
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People's Alliance 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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