First reported in 2023
It reported 14 loans in 2023, 18 in 2024 and 15 in 2025, numbers too small to read a trend into. It filed no report for 2018 to 2022; those years are a gap in the record, not proof that it made no loans.
Applications / Mortgage Analytics / Lenders / New York / Oswego Teachers Employees Federal Credit Union
Oswego Teachers Employees Federal Credit Union
Oswego, NY · Credit union · NCUA · $59.9 million assets · 15 loans in 2025
Oswego Teachers Employees Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
15
loans originated, 2025
15
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oswego Teachers Employees Federal Credit Union is a small lender in the Syracuse area, with 15 home loans in 2025.
One market
All its lending is in one metro, Syracuse, across two counties. Its share there rose to 0.1% from 0.0%, placing it 106 of 246 lenders. The market is led by Empower Federal Credit Union and Americu Credit Union.
Too few loans to compare
With 15 loans, its shares of loan purposes, neighborhoods or loan sizes rest on too few loans to set against its 173 peers, credit unions making between half and twice as many loans. All of them were conventional. A lender this small can look very different from one year to the next on the strength of a handful of loans, so its figures say little about the kind of lender it is.
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, 2023–2025
15 loans in 2025, against a peak of 18 in 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Oswego Teachers Employees Federal Credit Union took 15 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
60.0% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 60.0% · Home improvement 20.0% · Purchase 20.0%
Conventional 100.0% · of 15 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
1 state, 1 metro, 2 counties
| State | Loans | Share |
|---|---|---|
| New York | 15 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Syracuse | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490069UL3FH6Q66B18 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 226480 | 2023–2023 |
Established 1 January 1961. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Oswego Teachers Employees Federal Credit Union's data.
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Oswego Teachers Employees Federal Credit Union's data
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