Applications / Mortgage Analytics / Lenders / New York / First Heritage Federal Credit Union
Corning, NY · Credit union · NCUA · $805 million assets · 477 loans in 2025
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477
loans originated, 2025
712
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Heritage Federal Credit Union, of Corning, New York, ranks third among 93 lenders in Elmira, where it holds 9.1% of the market.
It has lent in Elmira since at least 1990 and ranks 3 of 93 lenders there, behind Corning Credit Union and Movement Mortgage. Its share slipped from 10.1% to 9.1%, which could reflect rivals' growth as much as its own lending. It also ranks 56 of 377 in non-metro New York.
Purchases made up 38.8% of its loans, with refinancing and home improvement most of the rest. 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), where it was $105,000. Its typical rate, 6.25%, was lower than at more than four in five.
Its loans rose 5% to 477, close to the 6% at similar lenders and below the whole market's 10%. That is still fewer than the 656 it made in 2020.
Low- and moderate-income (LMI) borrowers took 31.3% of its loans, against 27.6% at similar lenders. But LMI neighborhoods took only 10.7%, against 15.4%, and majority-minority neighborhoods almost none. Its largest markets, non-metro New York, Elmira and non-metro Pennsylvania, may hold few such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Heritage Federal Credit Union took 712 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.8% · Refinance 23.7% · Home improvement 22.2% · Other 15.3%
Conventional 100.0% · of 477 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 | 343 | 71.9% |
| Pennsylvania | 134 | 28.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elmira | 179 |
| Rochester | 6 |
| Williamsport | 3 |
| Binghamton | 2 |
| Albany-Schenectady-Troy | 1 |
| Ithaca | 1 |
| York-Hanover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300H0B8QZSS10X971 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 949284 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59604 | 1994–2017 |
Established 1 January 1954. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: First Heritage Federal Credit Union's data.
First Heritage Federal Credit Union's data
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First Heritage 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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