Applications / Mortgage Analytics / Lenders / New York / Utica Gas & Electric Federal Credit Union
New Hartford, NY · Credit union · NCUA · $131 million assets · 93 loans in 2025
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93
loans originated, 2025
94
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Utica Gas & Electric Federal Credit Union is a top-twenty mortgage lender in Utica-Rome, and it gained share there in 2025.
In Utica-Rome it ranks 17 of 174 lenders, and its share rose from 1.3% to 1.5%. AmeriCU Credit Union and First Source Federal Credit Union lead that market. It has lent there since at least 1990. Elsewhere in New York it is small, ranking 87 of 246 in Syracuse.
It made 93 loans, up 11%, against 7% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. It filed no HMDA reports for 2018 to 2022; since 2023 its loans have risen from 64.
Home purchase and home improvement each made up 33.3% of its loans, with refinances 16.1%. Its typical loan, $145,000, was larger than at about four in five peers, where the typical loan was $100,000. All its loans were conventional and none was higher-priced (a rate well above the average for similar loans).
It made 24.0% of its loans to low- and moderate-income borrowers, against 30.2% at peers, and 13.5% in low- and moderate-income neighborhoods, against 17.3%. Its larger loans, which tend to go to higher earners, may account for part of the gap.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Utica Gas & Electric Federal Credit Union took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.3% · Purchase 33.3% · Refinance 16.1% · Not applicable 11.8% · Other 5.4%
Conventional 100.0% · of 93 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 | 92 | 98.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Utica-Rome | 70 |
| Syracuse | 15 |
| Watertown-Fort Drum | 2 |
| Albany-Schenectady-Troy | 1 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9845009L1378CEE50A18 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 109873 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52252 | 1990–2016 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Utica Gas & Electric Federal Credit Union's data.
Utica Gas & Electric Federal Credit Union's data
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Utica Gas & Electric 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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