Applications / Mortgage Analytics / Lenders / New York / TCT Federal Credit Union
Ballston Spa, NY · Credit union · NCUA · $288 million assets · 72 loans in 2025
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72
loans originated, 2025
104
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TCT Federal Credit Union is a refinance and home-improvement lender in upstate New York that makes small loans and no purchase loans.
Refinances made up 90.3% of its loans and home improvement the rest. Its typical loan was $65,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), lower than more than eight in ten of them.
It made 72 loans in 2025, about the same as the 71 of 2024. In 2020, when its typical rate was 3.12%, it made 284. With nine in ten of its loans refinances, the low rates of that year are a possible reason for the higher count.
In 2025, 34.7% of its loans went to low- and moderate-income borrowers, against 30.5% at similar lenders. Only 5.6% went to low- and moderate-income neighborhoods, against 17.4%, among the lowest tenth of its peers. Its lending is confined to seven counties, in two metros and rural New York, so the neighborhoods within reach are one possible reason.
In Glens Falls, NY, it holds 0.4%, down 0.1 points, placing it 44 of 145 lenders; Arrow Bank leads. Its loans rose 1% in 2025 while the whole market grew 10%, which could account for the slip. In Albany-Schenectady-Troy it ranks 95 of 265.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TCT Federal Credit Union took 104 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 90.3% · Home improvement 9.7%
Conventional 100.0% · of 72 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 | 72 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Glens Falls | 36 |
| Albany-Schenectady-Troy | 33 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300A23PXRZCMYM504 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 58887 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512957 | 1992–2017 |
Established 1 January 1959. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: TCT Federal Credit Union's data.
TCT Federal Credit Union's data
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TCT 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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