ESL Federal Credit Union
ESL Federal Credit Union received 7,833 applications in 2025 and made 5,532 mortgages, in 45 counties across 14 states. The median rate its borrowers got was 4.500% on a median loan of $85,000. Of 7,182 decisions, 1,391 were denials — 19.4%, most often for credit history.
| Legal Entity Identifier | 549300KUYF5QOROM7N37 |
|---|---|
| Applications received | 7,833 |
| Mortgages made | 5,532 |
| Denied | 1,391 |
| Approved, not taken up | 259 |
| Withdrawn or incomplete | 651 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.205 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 | 774 | 6.500% | $195,000 | 7.0% |
| Refinancing | 797 | 4.500% | $75,000 | 12.3% |
| Cash-out refinancing | 84 | 6.625% | $190,000 | 8.3% |
| Other purposes | 3,877 | 4.500% | $75,000 | 22.9% |
Where ESL Federal Credit Union lends most
The 45 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, NY | 4,148 | 4.500% | 18.1% |
| Ontario County, NY | 358 | 4.500% | 15.9% |
| Wayne County, NY | 317 | 4.500% | 19.8% |
| Livingston County, NY | 247 | 4.500% | 16.8% |
| Genesee County, NY | 182 | 4.500% | 23.7% |
| Orleans County, NY | 138 | 4.500% | 25.8% |
| Wyoming County, NY | 44 | 6.125% | 27.0% |
| Seneca County, NY | 29 | 6.500% | 17.1% |
| Steuben County, NY | 25 | 4.500% | 37.5% |
| Yates County, NY | 18 | 5.063% | 28.0% |
| Allegany County, NY | 5 | Under 10 loans | 54.6% |
| Erie County, NY | 5 | Under 10 loans | 77.3% |
| Niagara County, NY | 4 | Under 10 loans | 66.7% |
| Cayuga County, NY | 3 | Under 10 loans | 57.1% |
| Broome County, NY | 2 | Under 10 loans | 50.0% |
| Chenango County, NY | 2 | Under 10 loans | 0.0% |
| Chemung County, NY | 1 | Under 10 loans | 66.7% |
| Jefferson County, NY | 1 | Under 10 loans | 0.0% |
| Oneida County, NY | 1 | Under 10 loans | 0.0% |
| Onondaga County, NY | 1 | Under 10 loans | 83.3% |
| Schuyler County, NY | 1 | Under 10 loans | 66.7% |
| Naugatuck Valley Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Charlotte County, FL | 0 | Under 10 loans | 100.0% |
| Citrus County, FL | 0 | Under 10 loans | 100.0% |
| Manatee County, FL | 0 | Under 10 loans | 100.0% |
| Osceola County, FL | 0 | Under 10 loans | 100.0% |
| Chattooga County, GA | 0 | Under 10 loans | 100.0% |
| Baltimore city, MD | 0 | Under 10 loans | 100.0% |
| Norfolk County, MA | 0 | Under 10 loans | 100.0% |
| Somerset County, NJ | 0 | Under 10 loans | 100.0% |
| Cattaraugus County, NY | 0 | Under 10 loans | 100.0% |
| Chautauqua County, NY | 0 | Under 10 loans | 100.0% |
| Clinton County, NY | 0 | Under 10 loans | 100.0% |
| Herkimer County, NY | 0 | Under 10 loans | 100.0% |
| Lewis County, NY | 0 | Under 10 loans | 100.0% |
| Madison County, NY | 0 | Under 10 loans | 100.0% |
| Oswego County, NY | 0 | Under 10 loans | 100.0% |
| Saratoga County, NY | 0 | Under 10 loans | Not published |
| Bladen County, NC | 0 | Under 10 loans | 100.0% |
| Franklin County, OH | 0 | Under 10 loans | 100.0% |
| Potter County, PA | 0 | Under 10 loans | 100.0% |
| Horry County, SC | 0 | Under 10 loans | 100.0% |
| Dickson County, TN | 0 | Under 10 loans | 100.0% |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
| Hampton city, VA | 0 | Under 10 loans | 100.0% |
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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.