Lender in New York · HMDA 2025
Empower Federal Credit Union mortgages in New York
Empower Federal Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Empower Federal Credit Union originated 715 owner-occupied single-family loans in New York from 784 completed applications.
Its median conventional purchase loan costs were $3,050 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.50% (New York: 6.50%).
Loans in NY
715
of 784 applications
Denial rate
3.1%
Purchase · NY 9.5%
Rate spread
—
Conv. · NY +0.07 pts
Loan amount
$185,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 643 | 605 | 3.1% | 6.500% | — | $3,050 | $185,000 |
| Refinance | 43 | 32 | 23.3% | — | — | $2,800 | $115,000 |
| Cash-out refinance | 98 | 78 | 17.3% | 6.625% | — | $3,430 | $125,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Empower Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Onondaga County | 1 | 421 | 9.9% |
| Oswego County | 2 | 111 | 10.8% |
| Cayuga County | 3 | 38 | 6.9% |
| Madison County | 4 | 28 | 4.7% |
| Broome County | 13 | 30 | 2.2% |
| Cortland County | 14 | 6 | 1.9% |
| Chemung County | 16 | 10 | 1.3% |
| Herkimer County | 18 | 7 | 1.6% |
| Montgomery County | 20 | 4 | 0.9% |
| Hamilton County | 21 | 1 | 2.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology