Applications / Mortgage Analytics / Lenders / New York / Syracuse Fire Department Employees Federal Credit Union
Syracuse, NY · Credit union · NCUA · $142 million assets · 63 loans in 2025
Syracuse Fire Department Employees Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
63
loans originated, 2025
69
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Syracuse Fire Department Employees Federal Credit Union makes small loans for purposes other than buying or refinancing a home, and lends more to low- and moderate-income borrowers than most similar credit unions.
Other purposes made up 95.2% of its 63 loans in 2025 and home improvement the remaining 4.8%. It made no home-purchase or refinance loans. Its typical loan, $55,000, was lower than at about nineteen in twenty similar lenders (credit unions making between half and twice as many loans), whose typical loan was $95,000. All its loans were conventional.
Low- and moderate-income borrowers took 40.3% of its loans, against 30.9% for similar lenders, higher than at about three in four of them. Its typical rate, 6.49%, was a little below the peers' 6.75%, and none of its loans was higher-priced, carrying a rate well above the average for similar loans.
It made 63 loans, down 10% from 70, while similar lenders grew by 7%. In Syracuse, where it has lent since 1991, its share fell from 0.3% to 0.1%, ranking it 77 of 246 lenders. Fewer and smaller loans may account for the fall: its typical loan slipped from $65,000 to $55,000. Empower Federal Credit Union leads that market.
It filed no HMDA report from 2020 to 2023; those are missing years, not years without lending. It made 20 loans in 2018 and 21 in 2019, against 70 in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Syracuse Fire Department Employees Federal Credit Union took 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 95.2% · Home improvement 4.8%
Conventional 100.0% · of 63 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 | 63 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Syracuse | 55 |
| Rochester | 3 |
| Ithaca | 1 |
| Watertown-Fort Drum | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LQJ27OINBPW522 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 744283 | 2004–2019 |
| Respondent ID (the HMDA filer code before 2018) | 56627 | 1990–2017 |
Established 1 January 1950. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Syracuse Fire Department Employees Federal Credit Union's data.
Syracuse Fire Department Employees Federal Credit Union's data
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Syracuse Fire Department Employees 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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