Applications / Mortgage Analytics / Lenders / New York / GHS Federal Credit Union
Binghamton, NY · Credit union · NCUA · $232 million assets · 78 loans in 2025
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78
loans originated, 2025
128
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
GHS Federal Credit Union, a Binghamton lender since at least 1990, makes small home-improvement and other loans, and its lending rose by more than two-thirds in 2025.
It made 78 loans, up 70% from 46, against growth of 7% at similar lenders (credit unions making between half and twice as many loans). The rise follows a sharp drop, from 149 loans in 2022 to 49 in 2023, so it is still well below its earlier size.
Other purposes made up 51.3% of its loans and home improvement 39.7%; purchases were just 1.3%. Its typical loan, $60,000, was smaller than at more than four in five similar lenders, where it was $95,000. Every loan was conventional.
Of its borrowers, 42.3% had low or moderate incomes, against 30.6% at similar lenders, a higher share than at about four in five of them. Its typical rate, 6.25%, was lower than at about four in five, whose typical rate was 6.75%.
In Binghamton, where it has lent since at least 1990, its share of lending rose to 0.5% from 0.2%, and it ranked 36 of 180 lenders. Homestead Funding and Visions Federal Credit Union led that market. All its lending is in New York, in 6 counties.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. GHS Federal Credit Union took 128 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 51.3% · Home improvement 39.7% · Refinance 7.7% · Purchase 1.3%
Conventional 100.0% · of 78 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 | 78 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Binghamton | 40 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LCMQJZBJE7EL26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 430577 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53841 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: GHS Federal Credit Union's data.
GHS Federal Credit Union's data
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GHS 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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