Applications / Mortgage Analytics / Lenders / New York / ESL Federal Credit Union / Competition
ESL Federal Credit Union
Rochester, NY · Credit union · NCUA · $9.9 billion assets · 5,532 loans in 2025
ESL Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
5,532
loans originated, 2025
7,843
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who ESL Federal Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — ROCHESTER, NY, 2025
ESL Federal Credit Union ranks 2nd of 251 lenders in Rochester, NY, with $655.4M lent: 13.7% of a $4.78B market.
Rochester, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ESL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 58% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO NEW YORK, 2025
ESL Federal Credit Union ranks 38th of 377 lenders in non-metro New York, with $32.0M lent: 0.8% of a $3.97B market.
non-metro New York is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ESL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — BUFFALO-CHEEKTOWAGA, NY, 2025
ESL Federal Credit Union ranks 130th of 267 lenders in Buffalo-Cheektowaga, NY, with $1.8M lent: 0.0% of a $4.74B market.
Buffalo-Cheektowaga, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ESL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — UTICA-ROME, NY, 2025
ESL Federal Credit Union ranks 81st of 174 lenders in Utica-Rome, NY, with $635K lent: 0.1% of a $793.9M market.
Utica-Rome, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ESL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 60% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — BINGHAMTON, NY, 2025
ESL Federal Credit Union ranks 128th of 180 lenders in Binghamton, NY, with $270K lent: 0.0% of a $573.8M market.
Binghamton, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ESL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — WATERTOWN-FORT DRUM, NY, 2025
ESL Federal Credit Union ranks 77th of 106 lenders in Watertown-Fort Drum, NY, with $265K lent: 0.1% of a $426.4M market.
Watertown-Fort Drum, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ESL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 68% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — ELMIRA, NY, 2025
ESL Federal Credit Union ranks 84th of 93 lenders in Elmira, NY, with $95K lent: 0.1% of a $185.1M market.
Elmira, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ESL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 69% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — SYRACUSE, NY, 2025
ESL Federal Credit Union ranks 217th of 246 lenders in Syracuse, NY, with $165K lent: 0.0% of a $2.51B market.
Syracuse, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and ESL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
ESL Federal Credit Union's data
$215
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.
Buy ESL Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]