Applications / Mortgage Analytics / Lenders / New York / Finger Lakes Federal Credit Union
Geneva, NY · Credit union · NCUA · $248 million assets · 96 loans in 2025
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96
loans originated, 2025
138
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Finger Lakes Federal Credit Union, of Geneva, New York, lends mostly for home improvement and is gaining share in the Rochester market.
Home improvement made up 47.9% of its loans in 2025, purchases 21.9%, other purposes 17.7% and refinances 12.5%. Its typical loan, $80,000, was smaller than the $95,000 at similar lenders (credit unions making between half and twice as many loans).
It made 96 loans, up 28% from 75, against 8% at similar lenders and 10% across the whole market, faster than at about seven in ten peers. That is still well below the 159 it made in 2020.
Its share of the Rochester market rose from 0.1% to 0.2%, putting it 57th of 251 lenders. Premium Mortgage and ESL Federal Credit Union lead there. It has lent in Rochester since 1992.
Of its loans, 16.7% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 17.2% at peers, near the middle. Its share of borrowers with low or moderate incomes, 26.0%, was a little below peers' 30.1%, which may follow from a book built on home improvement for people who already own homes.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Finger Lakes Federal Credit Union took 138 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 47.9% · Purchase 21.9% · Other 17.7% · Refinance 12.5%
Conventional 100.0% · of 96 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 | 96 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 74 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GCNN38YBSHN374 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 670681 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518022 | 1992–2017 |
Established 1 January 1967. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Finger Lakes Federal Credit Union's data.
Finger Lakes Federal Credit Union's data
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Finger Lakes 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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