Applications / Mortgage Analytics / Lenders / New York / Visions Federal Credit Union
Endwell, NY · Credit union · NCUA · $5.3 billion assets · 2,068 loans in 2025
Visions Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,068
loans originated, 2025
3,898
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Visions Federal Credit Union grew faster than more than nine in ten similar lenders in 2025, with originations up 47%, and is the second-largest mortgage lender in Binghamton, NY.
Originations rose 47% to 2,068 from 1,411, while similar lenders (credit unions making between half and twice as many loans) grew 10%, as did the whole market; more than nine in ten similar lenders grew less. The amount it lent rose to $344.8 million from $166.0 million, about double. Volume remains below the 3,067 loans it made in 2022.
It ranked 2 of 180 lenders in Binghamton, behind Homestead Funding, and its share rose to 11.4% from 7.7%. In Ithaca its share rose to 0.9% from 0.1%, ranking 17 of 102, and in Syracuse to 0.4% from 0.3%.
Home improvement made up 42.7% of its lending and refinance 29.3%, against 9.5% for purchase. Every loan was conventional and none were jumbo. Its typical loan was $105,000, against $120,000 at similar lenders, lower than about four in five of them.
None of its loans were higher-priced (a rate well above the average for similar loans), against 1.7% at similar lenders and 3.4% for Visions five years earlier. Its typical rate was 7.25%, against 7.00%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Visions Federal Credit Union took 3,898 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 42.7% · Refinance 29.3% · Other 18.5% · Purchase 9.5%
Conventional 100.0% · of 2,068 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 | 1,022 | 49.4% |
| New Jersey | 825 | 39.9% |
| Pennsylvania | 221 | 10.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Binghamton | 671 |
| New York-Jersey City-White Plains | 469 |
| Newark | 282 |
| Reading | 103 |
| Allentown-Bethlehem-Easton | 70 |
| Syracuse | 70 |
| Elmira | 64 |
| Lakewood-New Brunswick | 43 |
| Rochester | 31 |
| Ithaca | 22 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TDVGWRELEO5F50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 562786 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517429 | 1990–2017 |
Established 1 January 1966. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Visions Federal Credit Union's data.
Visions Federal Credit Union's data
$215
Visions 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 Visions 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]