ESL Federal Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, ESL Federal Credit Union of Rochester, NY reported 10,242 mortgage applications totaling $1.1 billion, up 26% from 2020. The average application was for $109,905, and applicants reported an average income of $92,253. 74% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Rochester, NY (9,751), Buffalo-Cheektowaga-Niagara Falls, NY (7) and Syracuse, NY (3) (applications in parentheses).
| Mortgage Company & Address | ESL Federal Credit Union 225 Chestnut Street Rochester, NY 14604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 10,242 |
| Total Mortgage Loan Application Amount | $1,125,650,000 |
| Average Mortgage Loan Application Amount | $109,905 |
| Highest Mortgage Loan Application Amount | $26,005,000 |
| Average Applicant Income | $92,253 |
| Highest Applicant Income | $3,431,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records ESL Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monroe, New York | 7,642 | $ 828,340,000 | $ 108,393 | $ 91,000 |
| Ontario, New York | 661 | $ 115,615,000 | $ 174,909 | $ 109,000 |
| Wayne, New York | 619 | $ 57,945,000 | $ 93,610 | $ 88,000 |
| Livingston, New York | 483 | $ 50,715,000 | $ 105,000 | $ 97,000 |
| Genesee, New York | 288 | $ 23,750,000 | $ 82,465 | $ 79,000 |
| Orleans, New York | 269 | $ 21,955,000 | $ 81,617 | $ 76,000 |
| Yates, New York | 77 | $ 10,815,000 | $ 140,454 | $ 113,000 |
| Wyoming, New York | 61 | $ 5,305,000 | $ 86,967 | $ 76,000 |
| Steuben, New York | 51 | $ 4,955,000 | $ 97,156 | $ 99,000 |
| Seneca, New York | 45 | $ 3,875,000 | $ 86,111 | $ 83,000 |
| Erie, New York | 6 | $ 380,000 | $ 63,333 | $ 76,000 |
| Allegany, New York | 5 | $ 335,000 | $ 67,000 | $ 61,000 |
| Onondaga, New York | 3 | $ 395,000 | $ 131,666 | $ 88,000 |
| DeKalb, Georgia | 2 | $ 160,000 | $ 80,000 | $ 1,183,000 |
| Houston, Alabama | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Jackson, Arkansas | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Los Angeles, California | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 25,000 | $ 25,000 | $ 0 |
| White, Georgia | 1 | $ 15,000 | $ 15,000 | $ 240,000 |
| Cook, Illinois | 1 | $ 15,000 | $ 15,000 | $ 1,440,000 |
| Saline, Kansas | 1 | $ 15,000 | $ 15,000 | $ 89,000 |
| Shelby, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Avoyelles, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Bienville, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 840,000 |
| Jefferson, Louisiana | 1 | $ 5,000 | $ 5,000 | $ 120,000 |
| Clay, Missouri | 1 | $ 75,000 | $ 75,000 | $ 468,000 |
| Sussex, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Cayuga, New York | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Chautauqua, New York | 1 | $ 105,000 | $ 105,000 | $ 113,000 |
| Chemung, New York | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Chenango, New York | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Jefferson, New York | 1 | $ 105,000 | $ 105,000 | $ 161,000 |
| Lewis, New York | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Niagara, New York | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Oneida, New York | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Schenectady, New York | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| Schuyler, New York | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| St. Lawrence, New York | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Suffolk, New York | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Lane, Oregon | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Allegheny, Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Philadelphia, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 900,000 |
| Oconee, South Carolina | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for ESL Federal Credit Union in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 3,346 | $377,250,000 | $112,000 | $10,005,000 | $87,000 | $3,431,000 |
| Other Purpose | 2,715 | $196,905,000 | $72,000 | $805,000 | $96,000 | $2,463,000 |
| Home Improvement | 2,006 | $136,440,000 | $68,000 | $5,085,000 | $95,000 | $1,440,000 |
| Cash-out Refinancing | 1,115 | $181,375,000 | $162,000 | $2,945,000 | $98,000 | $1,234,000 |
| Home Purchase | 1,060 | $233,680,000 | $220,000 | $26,005,000 | $88,000 | $2,184,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 8,183 | $845,285,000 | $103,000 | $1,045,000 | $94,000 | $3,431,000 |
| Not Provided | 846 | $94,200,000 | $111,000 | $775,000 | $100,000 | $2,463,000 |
| Black or African American | 600 | $41,220,000 | $68,000 | $465,000 | $68,000 | $2,184,000 |
| Hispanic | 398 | $29,040,000 | $72,000 | $455,000 | $69,000 | $359,000 |
| Asian | 135 | $15,915,000 | $117,000 | $455,000 | $87,000 | $329,000 |
| American Indian or Alaskan Native | 39 | $3,715,000 | $95,000 | $285,000 | $91,000 | $285,000 |
| Not applicable | 33 | $95,505,000 | $2,894,000 | $26,005,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $705,000 | $100,000 | $375,000 | $83,000 | $165,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 10,107 | $1,107,445,000 | $109,000 | $26,005,000 | $93,000 | $3,431,000 |
| FHA-insured (Federal Housing Administration) | 133 | $17,905,000 | $134,000 | $245,000 | $59,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 2 | $300,000 | $150,000 | $165,000 | $65,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 7,599 | $908,195,000 | $119,000 | $26,005,000 | $96,000 | $2,463,000 |
| Application Denied By Financial Institution | 1,288 | $94,390,000 | $73,000 | $805,000 | $66,000 | $2,184,000 |
| File Closed For Incompleteness | 535 | $40,855,000 | $76,000 | $1,045,000 | $97,000 | $1,086,000 |
| Application Withdrawn By Applicant | 514 | $52,230,000 | $101,000 | $1,035,000 | $96,000 | $3,431,000 |
| Application Approved But Not Accepted | 306 | $29,980,000 | $97,000 | $915,000 | $91,000 | $470,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 8,954 | $1,031,260,000 | $115,000 | $26,005,000 | $96,000 | $3,431,000 |
| Debt-To-Income Ratio | 669 | $54,395,000 | $81,000 | $805,000 | $45,000 | $328,000 |
| Credit History | 359 | $21,115,000 | $58,000 | $305,000 | $67,000 | $1,234,000 |
| Collateral | 182 | $12,540,000 | $68,000 | $385,000 | $120,000 | $2,184,000 |
| Other | 65 | $4,495,000 | $69,000 | $215,000 | $116,000 | $1,224,000 |
| Unverifiable Information | 6 | $1,050,000 | $175,000 | $385,000 | $113,000 | $509,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $625,000 | $125,000 | $185,000 | $65,000 | $170,000 |
| Employment History | 2 | $170,000 | $85,000 | $105,000 | $45,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into ESL Federal Credit Union's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess ESL Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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