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The Lender Report built this page from public records. Jovia Financial Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Jovia Financial Credit Union itself. Each figure shows its source and date. Work at Jovia Financial Credit Union? You can claim this page for free.
Credit union, Westbury, NY
Jovia Financial Credit Union
A credit union based in Westbury, NY. Its commercial book is mostly non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $500M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 28
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 1
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $4.56B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 516-561-0030 From the NCUA record, June 30, 2026.
- Website
- www.jovia.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- JOVIA FINANCIAL; Jovia Financial Federal Credit; Jovia Financial FCUNCUA 5300,
- Address
- 1000 Corporate Dr, Westbury, NY 11590NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - other.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Jovia Financial Credit Union originated 13 multifamily loans in 2025, versus 3 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Multifamily balance rose 27.8% to $113.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| 2023-10 to 2026-09 | Named as the lender on 26 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $3.8M | 6.25% | 10 yr | HMDA 2025 | |
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $3.6M | 6.5% | 10 yr | HMDA 2025 | |
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $3.1M | 6% | 5 yr | HMDA 2025 | |
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $3M | 6% | 10 yr | HMDA 2025 | |
| 2025 | Kings County, NY | Purchase, 5 to 24 units | $2.3M | 6.25% | 10 yr | HMDA 2025 | |
| 2025 | Kings County, NY | Purchase, 5 to 24 units | $2M | 6.5% | 10 yr | HMDA 2025 | |
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $2M | 6.38% | 10 yr | HMDA 2025 | |
| 2025 | Hudson County, NJ | Refinance, 5 to 24 units | $2M | 6.25% | 10 yr | HMDA 2025 | |
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $1.9M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $1.9M | 6.5% | 10 yr | HMDA 2025 | |
| 2025 | Queens County, NY | Refinance, 5 to 24 units | $1.4M | 6.25% | 10 yr | HMDA 2025 | |
| 2025 | Westchester County, NY | Refinance, 5 to 24 units | $1.3M | 6.75% | 10 yr | HMDA 2025 | |
| 2025 | Queens County, NY | Purchase, 5 to 24 units | $600K | 6.13% | 10 yr | HMDA 2025 | |
| Mar 2025 | New York | SBA 504, Retail Trade | $290K | 25 yr | SBA FOIA | ||
| 2024 | Kings County, NY | Cash-out refinance, 5 to 24 units | $2.8M | 7.25% | 0.8 yr | HMDA 2024 | |
| 2024 | Bronx County, NY | Cash-out refinance, 5 to 24 units | $1.8M | 7.25% | 0.8 yr | HMDA 2024 | |
| 2024 | Suffolk County, NY | Purchase, 5 to 24 units | $440K | 7.25% | 0.8 yr | HMDA 2024 | |
| 13 multifamily loans made in 2025 | $29.0M | HMDA 2025 | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 26 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Jovia Financial Credit Union as the lender, totaling $30.4M.
- 11 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Mixed use | 11 | $12.5M |
| Multifamily | 9 | $7.81M |
| Other | 4 | $3.00M |
| Retail | 2 | $7.10M |
| Borough | Mortgages |
|---|---|
| Brooklyn | 19 |
| Manhattan | 3 |
| Queens | 3 |
| Bronx | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $113M | 3.1% | +27.8% | 47 | $2.41M |
| Construction and land development | $1.56M | 0.0% | -14.2% | 2 | $779K |
| Owner-occupied CRE | $40.0M | 1.1% | -0.1% | 33 | $1.21M |
| Non-owner-occupied CRE | $338M | 9.2% | -2.3% | 177 | $1.91M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $6.92M | 0.2% | -5.9% | 20 | $346K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $500M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $490M |
| Q4 2023 | $505M |
| Q1 2024 | $502M |
| Q2 2024 | $507M |
| Q3 2024 | $503M |
| Q4 2024 | $488M |
| Q1 2025 | $477M |
| Q2 2025 | $484M |
| Q3 2025 | $493M |
| Q4 2025 | $494M |
| Q1 2026 | $510M |
| Q2 2026 | $500M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 13 | $29.0M | $2.00M | $3.8M | HMDA, |
| Multifamily, 5 or more units | 2024 | 3 | $5.00M | $1.80M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 6 | $7.74M | $830K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $290K | $290K | $290K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 28 | $59.0M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 6 | $21.7M | NCUA 5300, | ||
| Construction | First half of 2026 | 2 | $8.09M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 2 | $2.75M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 18 | $26.4M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $779K |
| Multifamily | $2.41M |
| Owner-occupied CRE | $1.21M |
| Non-owner-occupied CRE | $1.91M |
| Commercial and industrial | $346K |
Programs on record: Federal Home Loan Bank member, New York district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| New York HQ | 20 | 12 | 6 | 0 | 1 |
| New Jersey | 0 | 1 | 0 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Kings County, NY | 10 | $26.4M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 15 | $33.6M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $559M | $257M to $1.21B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $471M | $189M to $860M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 84.3% | 36.4% to 97.1% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $67.0M | $26.8M to $164M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 101.3% | 37.2% to 121.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 80.4% | 58.8% to 84.9% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Empower Credit Union | NY | $4.34B | $456M |
| Americu Credit Union | NY | $3.03B | $323M |
| Visions Credit Union | NY | $5.53B | $567M |
| Suffolk Credit Union | NY | $2.09B | $257M |
| Hudson Valley Credit Union | NY | $8.05B | $668M |
| Teachers Credit Union | NY | $9.92B | $460M |
| Broadview Credit Union | NY | $9.36B | $758M |
| Corning Credit Union | NY | $2.77B | $209M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
- Combines this filer's call report with HMDA or SBA figures reported under another name or LEI of the same institution.
Check this page
Against the regulator's own record
- Name and charter. Jovia Financial Credit Union, NCUA charter 2760. Compare it with the regulator's record. [NCUA profile]
- Balances. $4.56B in total assets and $500M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 28 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 23 loans in HMDA and SBA files, through September 30, 2026: 13 HMDA multifamily 2025, 3 HMDA multifamily 2024, 6 HMDA 1-4 unit investor 2025, 1 SBA 504 first lien in 36 months. [How each file was tied to Jovia Financial Credit Union]
- Phone and website. Phone 516-561-0030, from the NCUA record. Website jovia.org, from the NCUA record. [How to reach them]
- Recorded mortgages, New York City. 26 recorded mortgages in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 2760
- RSSD
- 823674
- LEI
- 549300T7DF901BR7V258
- The Lender Report ID
- lr_000417
- Main office county
- Nassau
- Members
- 237,110
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $4.6B in total assets as of June 30, 2026 (NCUA 5300).
- Held $499.6M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $338M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $113.1M of multifamily loans as of June 30, 2026, up 27.8% from a year earlier (NCUA 5300).
- Held $40M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 13 multifamily loans totaling $29M in 2025 (HMDA).
8 more sentences
- Originated 3 multifamily loans totaling $5M in 2024 (HMDA).
- Originated 6 1-4 unit investor or business-purpose loans totaling $7.7M in 2025 (HMDA).
- Provided the first lien on 1 SBA 504 project with $290K in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 28 real-estate-secured commercial loans totaling $59M in the first half of 2026 (NCUA 5300).
- Bought $4.3M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $48.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 20 offices in 1 state (NCUA).
- Named as the lender on 26 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $30.4M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Jovia Financial Credit Union, https://lender.report/lender/jovia-financial-credit-union-ny/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem