Applications / Mortgage Analytics / Lenders / New York / G.P.O. Federal Credit Union
New Hartford, NY · Credit union · NCUA · $608 million assets · 318 loans in 2025
G.P.O. Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
318
loans originated, 2025
560
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
G.P.O. Federal Credit Union is the sixth-largest lender in Utica-Rome, and its share there rose to 4.3% in 2025.
Its share of the Utica-Rome market rose 0.9 points to 4.3%, and it ranked 6 of 174 lenders. In Syracuse, NY its share slipped 0.1 points to 0.1%, ranking 79 of 246. That is a small market for it, where a few loans move the share.
Home improvement made up 39.6% of its loans and purchases 36.8%. Refinancing was just 4.7%. Its typical loan was $95,000, against $105,000 at similar lenders, credit unions making between half and twice as many loans.
Its typical rate was 4.99%, against 6.88% at similar lenders, lower than at almost all of them. It made no higher-priced loans, meaning a rate well above the average for similar loans. Its count rose 16% to 318, faster than about three in five peers, whose count grew 7%.
Low- and moderate-income (LMI) borrowers took 36.7% of its loans, against 27.5%, more than at about four in five similar lenders. Its share in LMI neighborhoods, 15.7%, was near the middle. Majority-minority neighborhoods took 4.7%, against 12.7%, which may reflect markets in New York where such neighborhoods are fewer.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. G.P.O. Federal Credit Union took 560 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.6% · Purchase 36.8% · Other 18.9% · Refinance 4.7%
Conventional 100.0% · of 318 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 | 318 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Utica-Rome | 273 |
| Syracuse | 23 |
| Albany-Schenectady-Troy | 4 |
| Nassau County-Suffolk County | 1 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008UZWYHK74O4341 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 83085 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 522931 | 1990–2017 |
Established 1 January 1978. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: G.P.O. Federal Credit Union's data.
G.P.O. Federal Credit Union's data
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G.P.O. 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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