Applications / Mortgage Analytics / Lenders / New York / Access Federal Credit Union
Clinton, NY · Credit union · NCUA · $307 million assets · 58 loans in 2025
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58
loans originated, 2025
77
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Access Federal Credit Union, a small New York lender, sends half its loans to low- and moderate-income borrowers, a far higher share than similar credit unions do.
Of its loans, 50.9% went to low- and moderate-income (LMI) borrowers, against 30.8% at similar lenders (credit unions making between half and twice as many loans), higher than about nine in ten. Its lending in LMI areas was near the middle. None of its loans were in majority-minority areas, against 9.6%; its five New York counties may hold few such areas.
Other-purpose loans made up 67.2% of its lending and purchases 24.1%. Its typical loan was $75,000, against $95,000 at similar lenders, smaller than about seven in ten. That keeps its dollar volume lower than about two-thirds of similar lenders'.
It filed no report for 2020, 2021 or 2024. Those years are gaps in the record, not years without lending, so its 58 loans in 2025 cannot be compared with the year before. It reported 66 loans in 2023.
It has lent in Utica-Rome since 1993 and ranks 29 of 174 lenders there, with 0.6% of a $793.9M market. Americu Credit Union and First Source Federal Credit Union lead. In 2025 it reported its first loans in Binghamton.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Access Federal Credit Union took 77 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 67.2% · Purchase 24.1% · Refinance 6.9% · Home improvement 1.7%
Conventional 100.0% · of 58 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 | 58 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Utica-Rome | 42 |
| Syracuse | 15 |
| Binghamton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V4QN9VP69K5I11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 751973 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55579 | 1990–2017 |
Established 1 January 1947. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Access Federal Credit Union's data.
Access Federal Credit Union's data
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Access 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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