Empower Federal Credit Union
Empower Federal Credit Union received 4,317 applications in 2025 and made 3,131 mortgages, in 99 counties across 7 states. The median rate its borrowers got was 7.250% on a median loan of $95,000. Of 3,875 decisions, 667 were denials — 17.2%, most often for credit history.
| Legal Entity Identifier | 549300YKTME1U7Z0UN20 |
|---|---|
| Applications received | 4,317 |
| Mortgages made | 3,131 |
| Denied | 667 |
| Approved, not taken up | 77 |
| Withdrawn or incomplete | 442 |
| Loans bought from other lenders | 303 |
| Median rate spread over the prime offer rate | 0.05 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 767 | 6.500% | $185,000 | 6.4% |
| Refinancing | 73 | 7.240% | $105,000 | 16.3% |
| Cash-out refinancing | 656 | 7.250% | $105,000 | 13.0% |
| Other purposes | 1,635 | 7.250% | $65,000 | 23.0% |
Where Empower Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Onondaga County, NY | 1,820 | 7.250% | 15.6% |
| Oswego County, NY | 500 | 7.250% | 17.6% |
| Cayuga County, NY | 145 | 7.250% | 14.9% |
| Broome County, NY | 144 | 7.250% | 20.0% |
| Madison County, NY | 128 | 7.250% | 12.8% |
| Erie County, NY | 59 | 7.250% | 36.8% |
| Oneida County, NY | 55 | 7.250% | 24.0% |
| Chemung County, NY | 39 | 7.250% | 19.6% |
| Wayne County, NY | 26 | 7.250% | 20.6% |
| Montgomery County, NY | 23 | 7.250% | 34.2% |
| Monroe County, NY | 21 | 7.000% | 12.5% |
| Ontario County, NY | 19 | 7.250% | 17.4% |
| Jefferson County, NY | 15 | 7.210% | 6.3% |
| Tioga County, NY | 15 | 7.990% | 37.5% |
| Cortland County, NY | 13 | 7.000% | 0.0% |
| Herkimer County, NY | 11 | 6.750% | 42.1% |
| St. Lawrence County, NY | 7 | Under 10 loans | 0.0% |
| Niagara County, NY | 6 | Under 10 loans | 12.5% |
| Steuben County, NY | 5 | Under 10 loans | 16.7% |
| Tompkins County, NY | 5 | Under 10 loans | 16.7% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Chenango County, NY | 4 | Under 10 loans | 20.0% |
| Seneca County, NY | 4 | Under 10 loans | 42.9% |
| Yates County, NY | 4 | Under 10 loans | 20.0% |
| Western Connecticut Planning Region, CT | 3 | Under 10 loans | 40.0% |
| Sumter County, FL | 3 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 3 | Under 10 loans | 0.0% |
| Fulton County, NY | 3 | Under 10 loans | 40.0% |
| Wyoming County, NY | 3 | Under 10 loans | 0.0% |
| Greater Bridgeport Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Volusia County, FL | 2 | Under 10 loans | 0.0% |
| Allegany County, NY | 2 | Under 10 loans | 0.0% |
| Lewis County, NY | 2 | Under 10 loans | 50.0% |
| Nassau County, NY | 2 | Under 10 loans | 0.0% |
| Saratoga County, NY | 2 | Under 10 loans | 33.3% |
| Schenectady County, NY | 2 | Under 10 loans | 0.0% |
| Bradford County, PA | 2 | Under 10 loans | 50.0% |
| Tioga County, PA | 2 | Under 10 loans | 33.3% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Albany County, NY | 1 | Under 10 loans | 50.0% |
| Clinton County, NY | 1 | Under 10 loans | 0.0% |
| Columbia County, NY | 1 | Under 10 loans | 0.0% |
| Franklin County, NY | 1 | Under 10 loans | 50.0% |
| Genesee County, NY | 1 | Under 10 loans | 0.0% |
| Greene County, NY | 1 | Under 10 loans | 0.0% |
| Hamilton County, NY | 1 | Under 10 loans | 0.0% |
| Kings County, NY | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Empower Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.