Applications / Mortgage Analytics / Lenders / New York / RT Federal Credit Union
Rome, NY · Credit union · NCUA · $56.6 million assets · 41 loans in 2025
RT Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
41
loans originated, 2025
50
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RT Federal Credit Union, a small credit union in Rome, New York, makes small home-improvement loans at a lower rate than nearly all similar lenders.
Home improvement accounts for 51.2% of its loans and other purposes for 36.6%; the rest are refinances. Its typical loan is $55,000, smaller than at more than nine in ten similar lenders (credit unions making between half and twice as many loans), where it is $95,000.
Its typical rate was 5.75%, lower than at nearly all similar lenders, whose typical rate is 6.75%. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.6% at its peers.
Low- and moderate-income (LMI) borrowers took 43.9% of its loans, against 31.5% at similar lenders and 23.3% a year before. That is a higher share than at about four in five of its peers. With 41 loans, a few borrowers move it a long way.
Its loans fell 5%, to 41, while similar lenders grew 3%. In Utica-Rome, its home market since 1994, its share slipped from 0.3% to 0.2% as its lending dipped, and it ranks 54 of 174. Americu Credit Union and First Source Federal Credit Union lead. It filed no report for 2018 to 2021.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. RT Federal Credit Union took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 51.2% · Other 36.6% · Refinance 12.2%
Conventional 100.0% · of 41 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 | 41 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Utica-Rome | 24 |
| Syracuse | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MRIPL0USI69Q40 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 208589 | 2022–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512624 | 1994–1996 |
Established 1 January 1958. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: RT Federal Credit Union's data.
RT Federal Credit Union's data
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RT 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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