Applications / Mortgage Analytics / Lenders / New York / Compass Federal Credit Union
Oswego, NY · Credit union · NCUA · $101 million assets · 63 loans in 2025
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63
loans originated, 2025
63
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Compass Federal Credit Union, a small New York credit union, lends mostly for home improvement and refinancing, and about twice as often as its peers in poorer neighborhoods.
Home-improvement loans were 42.9% of its loans, refinances 38.1% and purchases 19.0%. Its typical loan was $75,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), which may reflect that mix.
Low- and moderate-income (LMI) areas took 34.9% of its loans, against 17.4% at similar lenders, higher than about nine in ten of them. LMI borrowers took 38.1%, against 30.9%.
Originations rose 7% to 63, the same as similar lenders. Its typical rate, 6.49%, was lower than about seven in ten peers'. It first reported in 2019 and filed no report for 2020 to 2022; those years are gaps in the record, not years without lending.
It ranked 59 of 246 lenders in Syracuse, where its share held at 0.2%. Empower Federal Credit Union led that market.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Compass Federal Credit Union took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 42.9% · Refinance 38.1% · Purchase 19.0%
Conventional 100.0% · of 63 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 | 63 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Syracuse | 59 |
| Rochester | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JK7FP26MG28H96 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 39989 | 2019–2023 |
Established 1 January 1966. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Compass Federal Credit Union's data.
Compass Federal Credit Union's data
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Compass 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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