Applications / Mortgage Analytics / Lenders / New York / Ukrainian Federal Credit Union
Rochester, NY · Credit union · NCUA · $415 million assets · 172 loans in 2025
Ukrainian Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
172
loans originated, 2025
207
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ukrainian Federal Credit Union lends mostly to buy or refinance homes, at loan sizes about twice those of similar credit unions, and nearly half its borrowers have low or moderate incomes.
Purchases and refinances made up almost all of its 172 loans in 2025, split roughly evenly. Its typical loan was $205,000, about twice the $105,000 at similar lenders, credit unions making between half and twice as many loans, and larger than at about nine in ten of them.
Nearly half its borrowers, 48.8%, had low or moderate incomes (LMI), against 28.5% at similar lenders, a higher share than at about nineteen in twenty of them. Its share of loans in poorer neighborhoods, 16.3%, was close to theirs. Its typical rate, 6.62%, was a little below their 6.75%.
Its loans rose 13%, faster than the 7% at similar lenders and the 10% of the whole market. It lends in 10 states, from New York to Sacramento and Seattle, and gained share in Sacramento-Roseville-Folsom, where it has lent since 2002.
Its share slipped in Rochester, where it has reported since 1990, and in Syracuse, to 0.1% from 0.2% in each. One possible reason is that more of its lending went to markets outside New York; another is that rivals grew faster in those two cities.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ukrainian Federal Credit Union took 207 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 49.4% · Purchase 48.8% · Home improvement 1.7%
Conventional 100.0% · of 172 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 | 75 | 43.6% |
| California | 44 | 25.6% |
| South Carolina | 14 | 8.1% |
| Ohio | 11 | 6.4% |
| Washington | 11 | 6.4% |
| Massachusetts | 7 | 4.1% |
| North Carolina | 5 | 2.9% |
| Florida | 2 | 1.2% |
| Oregon | 2 | 1.2% |
| Tennessee | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 42 |
| Rochester | 41 |
| Syracuse | 17 |
| Buffalo-Cheektowaga | 14 |
| Spartanburg | 13 |
| Cleveland | 10 |
| Tacoma-Lakewood | 7 |
| Charlotte-Concord-Gastonia | 5 |
| Seattle-Bellevue-Kent | 4 |
| Cambridge-Newton-Framingham | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LNRKOG7TRURB32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 331889 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58854 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Ukrainian Federal Credit Union's data.
Ukrainian Federal Credit Union's data
$215
Ukrainian 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.
Buy Ukrainian Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]