Applications / Mortgage Analytics / Lenders / New York / Self Reliance Financial Federal Credit Union
New York, NY · Credit union · NCUA · $2.0 billion assets · 415 loans in 2025
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415
loans originated, 2025
518
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Self Reliance Financial Federal Credit Union more than tripled its lending in 2025, to 415 loans from 122, in the year it merged with Ukrainian Selfreliance Federal Credit Union.
Its loans rose 240%, faster than at almost all similar lenders, credit unions making between half and twice as many loans; their typical growth was 6%. The merger may account for some of the rise. From 2018 to 2024 it made between 117 and 244 loans a year.
Its typical loan fell from $550,000 in 2024 to $305,000, still larger than at almost all similar lenders, where it was $105,000. Its jumbo share (loans larger than the conforming limit) fell from 5.5% to 1.6%. It lent in 13 states, and more in Pennsylvania than anywhere else.
Purchases made up 49.4% of its loans, refinances 26.3%, home improvement 14.2% and other purposes 10.1%. Every loan was conventional. Poorer neighborhoods (low- and moderate-income tracts) took 24.4% of its loans, a higher share than at about nine in ten similar lenders.
Its typical rate was 6.25%, lower than at about four in five similar lenders, where it was 6.99%. None of its loans was higher-priced (a rate well above the average for similar loans). It turned down 5.0% of home-purchase applications, against 6.7% 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Self Reliance Financial Federal Credit Union took 518 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.4% · Refinance 26.3% · Home improvement 14.2% · Other 10.1%
Conventional 100.0% · of 415 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 |
|---|---|---|
| Pennsylvania | 211 | 50.8% |
| New York | 117 | 28.2% |
| New Jersey | 50 | 12.0% |
| Florida | 13 | 3.1% |
| Maryland | 7 | 1.7% |
| Connecticut | 4 | 1.0% |
| Ohio | 3 | 0.7% |
| Virginia | 3 | 0.7% |
| Delaware | 2 | 0.5% |
| District of Columbia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 116 |
| New York-Jersey City-White Plains | 113 |
| Philadelphia | 73 |
| Nassau County-Suffolk County | 10 |
| Trenton-Princeton | 10 |
| Allentown-Bethlehem-Easton | 9 |
| Atlantic City-Hammonton | 6 |
| Camden | 6 |
| Newark | 6 |
| Lakewood-New Brunswick | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R22XCNNGVXRO22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 602682 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57217 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Self Reliance Financial Federal Credit Union's data.
Self Reliance Financial Federal Credit Union's data
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Self Reliance Financial 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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