Applications / Mortgage Analytics / Lenders / New York / Radius Federal Credit Union
Kenmore, NY · Credit union · NCUA · $87.0 million assets · 9 loans in 2025
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9
loans originated, 2025
9
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Radius Federal Credit Union, a Buffalo-area lender that has reported since 1990, makes only a handful of home loans a year: nine in 2025.
It made 9 loans in 2025, against 14 the year before and 36 in 2020. Similar credit unions (those making between half and twice as many loans) typically made 14, and their loans fell 17% last year; its own fell 36%. At this scale one or two loans more or less swing the count.
It filed no report for 2018, 2019 or 2021. Those are gaps in the record, not years without lending: small lenders are not always required to report.
Its loans sit in Buffalo-Cheektowaga and rural New York. It has lent in Buffalo since 1990 and ranks 120 of 267 lenders there, with a share too small to register. Every loan was conventional, without a government guarantee, as at similar credit unions, and none was higher-priced (a rate well above the average for similar loans).
With nine loans, its shares for poorer borrowers, poorer neighborhoods and loan size each rest on a few loans. They can swing by tens of points from one year to the next, as its share of low- and moderate-income borrowers did, and say little about how it lends.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Radius Federal Credit Union took 9 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.8% · Refinance 22.2%
Conventional 100.0% · of 9 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 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MX0RKEMMAWWU19 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 426093 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560637 | 1990–2003 |
| Respondent ID (the HMDA filer code before 2018) | 524715 | 2004–2017 |
Established 1 January 1942. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Radius Federal Credit Union's data.
Radius Federal Credit Union's data
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Radius 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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