Applications / Mortgage Analytics / Lenders / New York / Western Division Federal Credit Union
Williamsville, NY · Credit union · NCUA · $218 million assets · 304 loans in 2025
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304
loans originated, 2025
374
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Western Division Federal Credit Union, of Williamsville, New York, makes small loans for home improvement and refinancing, all of them in the Buffalo area and non-metro New York.
Home improvement made up 44.4% of its 304 loans in 2025 and refinances 40.5%; purchases were only 11.8%. Its typical loan, $75,000, was smaller than at about nine in ten similar credit unions (those making between half and twice as many loans), whose typical loan was $105,000.
It made 99 loans in 2018 and 304 in 2025. It filed no reports for 2020 and 2021, so those years are gaps in the record. In 2025 its loans rose 1%, against 7% at similar credit unions.
It ranks 33 of 267 in Buffalo-Cheektowaga, where it has lent since 2005, and its share slipped from 0.7% to 0.6%. United Wholesale Mortgage and M&T Bank lead there. Share is measured in dollars, so a lender of small loans weighs little in it.
Poorer neighborhoods took 12.9% of its loans, against 15.8% at peers, and majority-minority neighborhoods 5.3%, against 12.9%. It lends in one metro area and non-metro New York, and the mix of neighborhoods there may explain the gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Western Division Federal Credit Union took 374 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.4% · Refinance 40.5% · Purchase 11.8% · Other 3.3%
Conventional 100.0% · of 304 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 | 304 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 275 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FDN5GT0HEKMT95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 917890 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524731 | 2005–2017 |
Established 1 January 1937. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Western Division Federal Credit Union's data.
Western Division Federal Credit Union's data
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Western Division 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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