Applications / Mortgage Analytics / Lenders / New York / Pittsford Federal Credit Union
Pittsford, NY · Credit union · NCUA · $543 million assets · 327 loans in 2025
Pittsford Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
327
loans originated, 2025
419
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pittsford Federal Credit Union lends mostly to refinance and improve homes around Rochester, and in 2025 it grew faster than most similar credit unions.
Refinances made up 64.2% of its loans and home improvement 23.9%; purchases were 10.7%. Every loan was conventional and none was jumbo (larger than the conforming limit). Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
It made 327 loans, 22% more than in 2024, faster than about seven in ten similar lenders, whose typical growth was 7%. The whole market grew 10%. It remains below its peak of 441 loans, in 2021.
Rochester has been its main market since at least 1990. It ranks 28 of 251 lenders there, and its share rose to 0.9% from 0.8%. Premium Mortgage and ESL Federal Credit Union lead.
Just 5.8% of its loans were in low- and moderate-income (LMI) neighborhoods, against 15.8% at similar lenders, lower than at nearly all of them. Its lending is concentrated in one metro and eight counties, so the neighborhoods its members live in may shape the figure.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pittsford Federal Credit Union took 419 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.2% · Home improvement 23.9% · Purchase 10.7% · Other 1.2%
Conventional 100.0% · of 327 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 | 327 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 322 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P3STF5YYEJYO93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 996381 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 519085 | 1990–2017 |
Established 1 January 1968. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pittsford Federal Credit Union's data.
Pittsford Federal Credit Union's data
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Pittsford 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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