Applications / Mortgage Analytics / Lenders / New York / TEG Federal Credit Union
Poughkeepsie, NY · Credit union · NCUA · $490 million assets · 198 loans in 2025
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198
loans originated, 2025
291
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TEG Federal Credit Union is a home-purchase lender centered on Poughkeepsie whose loans run about three times the size of those at similar credit unions.
Purchases made up 67.7% of its loans in 2025; refinances only 17.7%. Its typical loan was $335,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at nearly all of them. That is why its $70.0 million total is more than double the peer figure on a similar count of loans.
It has lent in Kiryas Joel-Poughkeepsie-Newburgh since 1990 and ranks 21 of 282 lenders there, behind Hudson Valley Credit Union. Its share slipped to 1.1% from 1.4%. That may reflect its slow growth: its loans rose 2%, against 10% for the whole market. In Kingston its share rose to 0.8% from 0.3%.
Only 5.1% of its loans were in low- and moderate-income neighborhoods, against 17.0% at similar lenders, among the lowest in the group. Loans this large may go mostly to costlier homes in better-off areas. It turned down 3.2% of home-purchase applications, lower than the 8.2% at peers.
In 2025 it entered three Florida metros and non-metro Pennsylvania, though its shares there are still too small to measure. It lends in five states in all.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TEG Federal Credit Union took 291 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.7% · Refinance 17.7% · Other 11.6% · Home improvement 3.0%
Conventional 100.0% · of 198 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 | 192 | 97.0% |
| Florida | 3 | 1.5% |
| Connecticut | 1 | 0.5% |
| New Jersey | 1 | 0.5% |
| Pennsylvania | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kiryas Joel-Poughkeepsie-Newburgh | 145 |
| New York-Jersey City-White Plains | 21 |
| Kingston | 18 |
| Albany-Schenectady-Troy | 1 |
| Bridgeport-Stamford-Danbury | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Glens Falls | 1 |
| Nassau County-Suffolk County | 1 |
| Newark | 1 |
| Sebastian-Vero Beach-West Vero Corridor | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MWCJLSHMSYCL19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 193180 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 519401 | 1990–2017 |
Established 1 January 1969. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: TEG Federal Credit Union's data.
TEG Federal Credit Union's data
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TEG 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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