Lender in New York · HMDA 2025
ESL Federal Credit Union mortgages in New York
ESL Federal Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
ESL Federal Credit Union originated 759 owner-occupied single-family loans in New York from 830 completed applications.
Its median conventional purchase loan costs were $3,690 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
759
of 830 applications
Denial rate
3.4%
Purchase · NY 9.5%
Rate spread
+0.16 pts
Conv. · NY +0.07 pts
Loan amount
$195,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 682 | 645 | 3.4% | 6.625% | +0.16 pts | $3,690 | $195,000 |
| Refinance | 87 | 62 | 25.3% | — | +0.07 pts | $0 | $115,000 |
| Cash-out refinance | 61 | 52 | 13.1% | 6.750% | +0.30 pts | $3,400 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where ESL Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Monroe County | 3 | 553 | 7.5% |
| Livingston County | 3 | 38 | 8.0% |
| Orleans County | 3 | 19 | 5.5% |
| Ontario County | 7 | 46 | 4.4% |
| Wyoming County | 7 | 10 | 2.9% |
| Wayne County | 8 | 41 | 4.6% |
| Seneca County | 8 | 8 | 3.6% |
| Genesee County | 10 | 18 | 3.8% |
| Allegany County | 10 | 5 | 1.8% |
| Yates County | 13 | 3 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology