Applications / Mortgage Analytics / Lenders / New York / Reliant Community Federal Credit Union
Sodus, NY · Credit union · NCUA · $742 million assets · 705 loans in 2025
Reliant Community Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
705
loans originated, 2025
1,018
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Reliant Community Federal Credit Union is a New York credit union making small loans, mostly for refinances, home improvement and other purposes, and LMI (low- and moderate-income) borrowers and areas take more of its loans than at nearly all similar lenders.
LMI borrowers took 41.3% of its loans, against 27.2% at similar lenders (credit unions making between half and twice as many loans), higher than about nineteen in twenty; LMI areas took 25.0%, against 15.1%. Both shares were higher than five years before (31.6% and 18.7%). Majority-minority areas took 5.1%, against 10.4%, which may reflect where it lends: its largest market is Rochester, and all its lending is in New York.
Its typical loan was $75,000, against $105,000 at peers, among the smallest tenth. Home purchases were 18.9% of its loans; other purposes were 29.4%, refinances 28.8% and home improvement 23.0%. It made no jumbo loans (larger than the conforming limit), and higher-priced loans (a rate well above the average for similar loans) were 0.1%, against 1.6%.
It ranked 21 of 251 lenders in Rochester, where it has lent since before 1990, behind Premium Mortgage and ESL Federal Credit Union; its share slipped 0.1 points to 1.4%. Its originations rose 4% to 705, against 6% at similar lenders and 10% for the whole market, which is one possible reason for the small fall.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Reliant Community Federal Credit Union took 1,018 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 29.4% · Refinance 28.8% · Home improvement 23.0% · Purchase 18.9%
Conventional 100.0% · of 705 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 | 705 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 657 |
| Syracuse | 3 |
| Albany-Schenectady-Troy | 1 |
| Buffalo-Cheektowaga | 1 |
| Ithaca | 1 |
| Utica-Rome | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E3VF26P7719Z56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 965985 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 520258 | 1990–2017 |
Established 1 January 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Reliant Community Federal Credit Union's data.
Reliant Community Federal Credit Union's data
$215
Reliant Community 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 Reliant Community 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]