Pittsford Federal Credit Union
Pittsford Federal Credit Union received 417 applications in 2025 and made 327 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 356 decisions, 16 were denials — 4.5%, most often for credit history. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300P3STF5YYEJYO93 |
|---|---|
| Applications received | 417 |
| Mortgages made | 327 |
| Denied | 16 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 61 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.03 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 | 35 | 5.750% | $285,000 | 0.0% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Cash-out refinancing | 201 | 7.250% | $95,000 | 5.0% |
| Other purposes | 82 | 7.250% | $55,000 | 4.6% |
Where Pittsford Federal Credit Union lends most
The 9 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 | 255 | 7.250% | 4.0% |
| Ontario County, NY | 44 | 7.250% | 2.2% |
| Livingston County, NY | 13 | 7.250% | 6.7% |
| Wayne County, NY | 9 | Under 10 loans | 10.0% |
| Genesee County, NY | 2 | Under 10 loans | 0.0% |
| Steuben County, NY | 2 | Under 10 loans | 0.0% |
| Orleans County, NY | 1 | Under 10 loans | 0.0% |
| Yates County, NY | 1 | Under 10 loans | 50.0% |
| Erie County, NY | 0 | Under 10 loans | 100.0% |
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When Pittsford Federal Credit Union’s figures are published for the next year, or restated.
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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.