Applications / Mortgage Analytics / Lenders / Pennsylvania / Ingersoll-Rand Federal Credit Union
Sayre, PA · Credit union · NCUA · $122 million assets · 58 loans in 2025
Ingersoll-Rand Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
58
loans originated, 2025
77
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ingersoll-Rand Federal Credit Union, of Sayre, Pennsylvania, refinances and improves homes but does not finance purchases, and it is gaining share in two small New York markets.
Refinancing took 75.9% of its loans and home improvement the other 24.1%. It made no purchase loans. Its typical loan was $65,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), a gap its mix of refinances and home improvements may explain.
Its loans rose 45% to 58, against 7% at similar lenders. It has reported since 1991 but filed no reports for 2018 to 2023; those years are missing, not empty. With only two recent years, there is little to compare with.
In Binghamton it ranks 44 of 180 lenders, with 0.4% of the market, up from 0.1%. In Elmira it ranks 36 of 93, with 0.3%, up from 0.1%. Homestead Funding leads Binghamton and Corning Credit Union leads Elmira. Its largest market is rural Pennsylvania, where its share is too small to register.
Low- and moderate-income borrowers took 29.3% of its loans and low- and moderate-income neighborhoods 17.2%, both near the middle of similar lenders.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Ingersoll-Rand Federal Credit Union took 77 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 75.9% · Home improvement 24.1%
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 |
|---|---|---|
| Pennsylvania | 38 | 65.5% |
| New York | 20 | 34.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Binghamton | 16 |
| Elmira | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500T0AY1EOD7AFB91 | 2024–2025 |
| Respondent ID (the HMDA filer code before 2018) | 514425 | 1991–1996 |
Established 1 January 1961. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Ingersoll-Rand Federal Credit Union's data.
Ingersoll-Rand Federal Credit Union's data
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