Applications / Mortgage Analytics / Lenders / New York / SJP Federal Credit Union
Buffalo, NY · Credit union · NCUA · $184 million assets · 22 loans in 2025
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22
loans originated, 2025
22
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SJP Federal Credit Union is a very small lender: it made 22 home loans in 2025, all of them conventional, in three New York counties.
Its 22 loans compare with 77 in 2021 and 57 in 2020. Volume fell each year after 2021, to 19 in 2024, then rose 16% in 2025, while similar lenders, credit unions making between half and twice as many loans, fell 5%. On numbers this small one or two loans swing the rate, so the rise says little. The data do not show why the earlier decline happened.
It lends in one metro, Buffalo-Cheektowaga, and a little outside it. In Buffalo it ranked 95 of 267 lenders, with a share of 0.1%, unchanged from 2024. United Wholesale Mortgage and M&T Bank lead that market. The credit union first reported there in 2016.
Every loan it made was conventional. It made none insured by the Federal Housing Administration or guaranteed by another government agency, which is usual for credit unions its size. With so few loans, its loan sizes and its shares of lower-income borrowers and neighborhoods are too small to read much into.
It filed no HMDA report for 2018 or 2019. Those are gaps in the record, not years without lending, and its history should be read with them in mind.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. SJP Federal Credit Union took 22 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 68.2% · Purchase 27.3% · Other 4.5%
Conventional 100.0% · of 22 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 | 22 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MNGQM5SPNHQM24 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 570473 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53306 | 2016–2017 |
Established 1 January 1939. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: SJP Federal Credit Union's data.
SJP Federal Credit Union's data
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SJP 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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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.
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