Applications / Mortgage Analytics / Lenders / New York / The Summit Federal Credit Union / Competition
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
Who The Summit 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
The Summit Federal Credit Union ranks 22nd of 251 lenders in Rochester, NY, with $55.7M lent: 1.2% 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 The Summit 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. 2 — BUFFALO-CHEEKTOWAGA, NY, 2025
The Summit Federal Credit Union ranks 42nd of 267 lenders in Buffalo-Cheektowaga, NY, with $18.3M lent: 0.4% 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 The Summit 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. 3 — SYRACUSE, NY, 2025
The Summit Federal Credit Union ranks 44th of 246 lenders in Syracuse, NY, with $11.6M lent: 0.5% 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 The Summit 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 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO NEW YORK, 2025
The Summit Federal Credit Union ranks 116th of 377 lenders in non-metro New York, with $5.0M lent: 0.1% 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 The Summit 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
FIG. 5 — UTICA-ROME, NY, 2025
The Summit Federal Credit Union ranks 102nd of 174 lenders in Utica-Rome, NY, with $375K lent: 0.0% 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 The Summit 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. 6 — WATERTOWN-FORT DRUM, NY, 2025
The Summit Federal Credit Union ranks 76th of 106 lenders in Watertown-Fort Drum, NY, with $270K 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 The Summit 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
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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.
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