Applications / Mortgage Analytics / Lenders / New York / Genesee Valley Federal Credit Union
Geneseo, NY · Credit union · NCUA · $170 million assets · 97 loans in 2025
Genesee Valley Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
97
loans originated, 2025
123
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Genesee Valley Federal Credit Union lends small sums for home improvement and other purposes rather than for buying homes, and its lending grew faster than at most similar credit unions in 2025.
Home improvement made up 45.4% of its loans and other purposes 42.3%; purchases were just 3.1%. Its typical loan, $55,000, was smaller than at almost all similar lenders (credit unions making between half and twice as many loans), where it was $95,000. Every loan was conventional.
It made 97 loans, up 18% from 82, faster than the 8% at similar lenders and the 10% for the whole market. That follows a slide from 155 loans in 2020 to 77 in 2023, so it remains below its earlier size.
Its typical rate was 6.99%, close to the 6.75% at similar lenders and down from 7.99% a year earlier. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.4% at its peers. Of its borrowers, 32.6% had low or moderate incomes, near the middle of similar lenders.
It lends in 8 counties, all in New York. In Rochester, where it has lent since 1992, it ranked 64 of 251 lenders, with 0.1% of lending. Premium Mortgage and ESL 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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Genesee Valley Federal Credit Union took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.4% · Other 42.3% · Refinance 9.3% · Purchase 3.1%
Conventional 100.0% · of 97 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 | 97 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 51 |
| Buffalo-Cheektowaga | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T1F1BRPWSZT586 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 198185 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 521658 | 1992–2017 |
Established 1 January 1974. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Genesee Valley Federal Credit Union's data.
Genesee Valley Federal Credit Union's data
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Genesee Valley 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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