Applications / Mortgage Analytics / Lenders / New York / Empower Federal Credit Union / Competition
Empower Federal Credit Union
Syracuse, NY · Credit union · NCUA · $4.2 billion assets · 3,131 loans in 2025
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3,131
loans originated, 2025
4,317
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Who Empower 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 — SYRACUSE, NY, 2025
Empower Federal Credit Union ranks 1st of 246 lenders in Syracuse, NY, with $300.1M lent: 12.0% of a $2.51B market.
Syracuse, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Empower 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
FIG. 2 — NON-METRO NEW YORK, 2025
Empower Federal Credit Union ranks 48th of 377 lenders in non-metro New York, with $25.9M lent: 0.7% 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 Empower 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 — ROCHESTER, NY, 2025
Empower Federal Credit Union ranks 36th of 251 lenders in Rochester, NY, with $21.7M lent: 0.5% 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 Empower 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. 4 — BINGHAMTON, NY, 2025
Empower Federal Credit Union ranks 10th of 180 lenders in Binghamton, NY, with $15.7M lent: 2.7% 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 Empower 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. 5 — BUFFALO-CHEEKTOWAGA, NY, 2025
Empower Federal Credit Union ranks 52nd of 267 lenders in Buffalo-Cheektowaga, NY, with $12.9M lent: 0.3% 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 Empower 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 57% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CHARLESTON-NORTH CHARLESTON, SC, 2025
Empower Federal Credit Union ranks 554th of 617 lenders in Charleston-North Charleston, SC, with $285K lent: 0.0% of a $11.91B market.
Charleston-North Charleston, SC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Empower 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 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — HOMOSASSA SPRINGS, FL, 2025
Empower Federal Credit Union ranks 252nd of 377 lenders in Homosassa Springs, FL, with $335K lent: 0.0% of a $1.14B market.
Homosassa Springs, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Empower 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 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — JACKSONVILLE, FL, 2025
Empower Federal Credit Union ranks 677th of 715 lenders in Jacksonville, FL, with $165K lent: 0.0% of a $14.26B market.
Jacksonville, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Empower 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 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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