Applications / Mortgage Analytics / Lenders / New York / ESL Federal Credit Union
Rochester, NY · Credit union · NCUA · $9.9 billion assets · 5,532 loans in 2025
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5,532
loans originated, 2025
7,843
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ESL Federal Credit Union is a Rochester, New York lender of small home-improvement and other-purpose loans, ranked 2 of 251 at home, where its share fell to 13.7% from 15.8%.
Other purposes made up 43.2% of its loans and home improvement 26.9%; purchases were 14.0%. Similar lenders are credit unions making between half and twice as many loans. Its typical loan was $85,000 against $115,000, among the lowest tenth of them, and its typical rate 4.50% against 6.99%, lower than nearly all. That mix of loans could carry different terms from purchase lending.
LMI (low- and moderate-income) borrowers took 37.3% of its loans against 27.2%, higher than about nine in ten similar lenders, up from 29.5% five years before. Loans in LMI areas rose to 17.0% from 8.8% five years before, higher than more than two-thirds. It lends in 21 counties of one state.
Its Rochester share fell 2.1 points; it ranks behind Premium Mortgage. Its originations were flat at 5,532 while similar lenders' rose 9% and the whole market's 10%, slower than more than four in five of them. With purchases only 14.0% of its lending, a market driven by home buying could grow faster without it, or competitors may have priced more keenly.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ESL Federal Credit Union took 7,843 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 43.2% · Home improvement 26.9% · Refinance 15.9% · Purchase 14.0%
Conventional 98.7% · FHA 1.2% · VA 0.1% · of 5,532 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 | 5,532 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 5,208 |
| Buffalo-Cheektowaga | 9 |
| Binghamton | 2 |
| Elmira | 1 |
| Syracuse | 1 |
| Utica-Rome | 1 |
| Watertown-Fort Drum | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KUYF5QOROM7N37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 243179 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524563 | 1996–2017 |
Established 1 January 1995. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: ESL Federal Credit Union's data.
ESL Federal Credit Union's data
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ESL 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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