Applications / Mortgage Analytics / Lenders / New York / Corning Credit Union
Corning, NY · Credit union · NCUA · $2.6 billion assets · 2,227 loans in 2025
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2,227
loans originated, 2025
3,189
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Corning Credit Union, based in Corning, New York, has North Carolina as its main state and ranks 6 of 538 in Wilmington, and its originations rose 20%, faster than about three in four similar credit unions.
Similar lenders are credit unions making between half and twice as many loans. Its largest market is Wilmington, North Carolina, where its share rose to 3.1% from 2.5%; State Employees' Credit Union leads there. At home it ranks 1 of 93 in Elmira, its share up to 16.5% from 14.6%, and 18 of 377 in non-metro New York. It lent in 21 states.
Originations rose 20% to 2,227, against 11% for similar lenders and 10% for the whole market. That is up from 1,853 the year before, though below the 3,156 of five years before. Home improvement made up 32.6% of its loans and purchases 30.6%.
Its typical rate of 6.20% against 7.00% was lower than more than four in five similar lenders, and higher-priced loans (a rate well above the average for similar loans) were 0.3% against 1.7%. Every loan was conventional.
LMI (low- and moderate-income) borrowers took 27.7% of its loans, near the middle of similar lenders. But 11.9% of loans were in LMI areas against 15.2%, and 4.2% in majority-minority areas against 12.3%, each lower than about three in four. Elmira and non-metro New York, among its largest markets, could account for part of that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Corning Credit Union took 3,189 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.6% · Purchase 30.6% · Other 21.5% · Refinance 15.4%
Conventional 100.0% · of 2,227 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 |
|---|---|---|
| North Carolina | 1,002 | 45.0% |
| New York | 787 | 35.3% |
| Pennsylvania | 214 | 9.6% |
| South Carolina | 112 | 5.0% |
| Florida | 38 | 1.7% |
| Maryland | 19 | 0.9% |
| New Jersey | 12 | 0.5% |
| Virginia | 9 | 0.4% |
| Massachusetts | 7 | 0.3% |
| Colorado | 5 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wilmington | 854 |
| Elmira | 265 |
| Chambersburg | 91 |
| Myrtle Beach-Conway-North Myrtle Beach | 87 |
| Charlotte-Concord-Gastonia | 36 |
| Raleigh-Cary | 32 |
| Rochester | 27 |
| Pittsburgh | 22 |
| Jacksonville | 12 |
| Binghamton | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WK15ESCDNJ5M35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 482978 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51644 | 1996–2017 |
Established 1 January 1936. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Corning Credit Union's data.
Corning Credit Union's data
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