Applications / Mortgage Analytics / Lenders / New York / ServU Federal Credit Union
Painted Post, NY · Credit union · NCUA · $506 million assets · 469 loans in 2025
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469
loans originated, 2025
616
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ServU Federal Credit Union lends mostly small sums against homes its members already own, and in 2025 it made 34% more loans while similar credit unions grew 6%.
Purchases were only 11.7% of its loans. Other-purpose loans made up 43.3%, refinances 29.2% and home improvement 15.8%. Its typical loan, $65,000, was smaller than at almost all similar lenders, credit unions making between half and twice as many loans, whose typical loan was $105,000.
It made 469 loans, up from 351, its most since at least 2018. That growth was faster than at more than four in five similar lenders and well ahead of the whole market's 10%.
Its share of lending in Elmira rose from 1.0% to 1.7%, placing it 14th of 93 lenders; Corning Credit Union led. Its largest market is non-metro New York, where it ranked 33rd of 377.
Low- and moderate-income borrowers took 35.5% of its loans, more than at about four in five similar lenders, whose typical share was 27.5%. Manufactured homes were 8.1% of its loans, against 0.3% at the typical peer. It turned down 10.5% of decided refinance applications, about half the 20.0% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ServU Federal Credit Union took 616 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 43.3% · Refinance 29.2% · Home improvement 15.8% · Purchase 11.7%
Conventional 100.0% · of 469 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 | 458 | 97.7% |
| Pennsylvania | 9 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elmira | 32 |
| Rochester | 21 |
| Buffalo-Cheektowaga | 4 |
| Albany-Schenectady-Troy | 2 |
| Binghamton | 2 |
| Kiryas Joel-Poughkeepsie-Newburgh | 1 |
| Syracuse | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006MFBT1AI7V3W25 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 871282 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510933 | 2014–2017 |
Established 1 January 1956. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: ServU Federal Credit Union's data.
ServU Federal Credit Union's data
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ServU 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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