Applications / Mortgage Analytics / Lenders / New York / Advantage Federal Credit Union
Rochester, NY · Credit union · NCUA · $490 million assets · 421 loans in 2025
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421
loans originated, 2025
786
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Advantage Federal Credit Union, a Rochester lender, makes small loans to improve and refinance homes rather than to buy them, and it made 36% more of them in 2025.
Home improvement took 39.9% of its loans and refinancing 30.6%. Purchases were only 9.0%. All were conventional. Its typical loan, $85,000, was smaller than at about four in five similar lenders (credit unions making between half and twice as many loans), whose typical loan was $105,000.
It made 421 loans, up 36% from 310. That was faster growth than at more than four in five of its peers, whose typical growth was 6%; the whole market grew by 10%. Its record since 2018 has one spike, 835 loans in 2022, which fell back to 429 in 2023. The figures do not show what drove that jump.
In Rochester, NY, where it has lent since at least 1990, its share rose from 0.8% to 1.0%. That ranked it 26 of 251 lenders. Premium Mortgage leads, followed by ESL Federal Credit Union. All its lending is in New York, in eight counties.
Borrowers with low and moderate incomes (LMI) took 27.9% of its loans, and LMI neighborhoods 16.2%. Both shares sit near the middle of similar lenders. Majority-minority areas took 11.2%, against 11.1% at its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Advantage Federal Credit Union took 786 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.9% · Refinance 30.6% · Other 20.4% · Purchase 9.0%
Conventional 100.0% · of 421 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 | 421 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 416 |
| Syracuse | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YY8IQK41QDLZ95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 690399 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524181 | 1990–2017 |
Established 1 January 1975. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Advantage Federal Credit Union's data.
Advantage Federal Credit Union's data
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Advantage 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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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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