Applications / Mortgage Analytics / Lenders / New York / The Summit Federal Credit Union
Rochester, NY · Credit union · NCUA · $1.4 billion assets · 942 loans in 2025
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942
loans originated, 2025
1,685
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Summit Federal Credit Union is a Rochester credit union whose lending is mostly small home-improvement and other-purpose loans, and its 942 originations in 2025 rose 22%, faster than most similar credit unions.
Its originations rose 22% from 770, against 8% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, faster than about four in five of them. The count is still below the 1,435 of five years before.
Its typical loan of $65,000 is lower than nearly all similar lenders' ($105,000). Home improvement was 33.5% of its loans, other purposes 29.0%, refinance 24.2% and home purchase 13.3%. It made no jumbo loans (larger than the conforming limit) and no higher-priced loans (a rate well above the average for similar loans), against 1.7% higher-priced at similar lenders.
Low- and moderate-income (LMI) borrowers took 33.2% of its loans, up from 22.7% five years before and higher than about three in four similar lenders (27.9%). Its shares in LMI areas (13.1%) and majority-minority areas (6.3%) are lower than about two in three, possibly reflecting the markets it serves.
Its share rose to 1.2% from 1.0% in Rochester, where it ranks 22 of 251, and to 0.5% from 0.4% in Syracuse (44 of 246).
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Summit Federal Credit Union took 1,685 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.5% · Other 29.0% · Refinance 24.2% · Purchase 13.3%
Conventional 100.0% · of 942 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 | 942 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 598 |
| Buffalo-Cheektowaga | 166 |
| Syracuse | 112 |
| Utica-Rome | 3 |
| Watertown-Fort Drum | 2 |
| Albany-Schenectady-Troy | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZSFNMHET4KE860 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 656872 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54580 | 1990–2017 |
Established 1 January 1941. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Summit Federal Credit Union's data.
The Summit Federal Credit Union's data
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The Summit 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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