RELIANT COMMUNITY FEDERAL CREDIT UNION
RELIANT COMMUNITY FEDERAL CREDIT UNION received 1,018 applications in 2025 and made 705 mortgages, in 20 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $75,000. Of 943 decisions, 225 were denials — 23.9%, most often for debt-to-income ratio. 5 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300E3VF26P7719Z56 |
|---|---|
| Applications received | 1,018 |
| Mortgages made | 705 |
| Denied | 225 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 75 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.368 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 | 133 | 6.500% | $175,000 | 2.9% |
| Refinancing | 187 | 7.240% | $75,000 | 20.5% |
| Cash-out refinancing | 16 | 6.938% | $155,000 | 20.0% |
| Other purposes | 369 | 6.990% | $55,000 | 30.7% |
Where RELIANT COMMUNITY FEDERAL CREDIT UNION lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wayne County, NY | 308 | 6.625% | 22.7% |
| Monroe County, NY | 206 | 6.750% | 26.6% |
| Ontario County, NY | 131 | 6.625% | 23.9% |
| Seneca County, NY | 17 | 6.500% | 15.0% |
| Yates County, NY | 11 | 6.890% | 21.4% |
| Orleans County, NY | 7 | Under 10 loans | 12.5% |
| Cayuga County, NY | 6 | Under 10 loans | 14.3% |
| Livingston County, NY | 5 | Under 10 loans | 37.5% |
| Genesee County, NY | 4 | Under 10 loans | 0.0% |
| Steuben County, NY | 3 | Under 10 loans | 0.0% |
| Oswego County, NY | 2 | Under 10 loans | 0.0% |
| Erie County, NY | 1 | Under 10 loans | 50.0% |
| Herkimer County, NY | 1 | Under 10 loans | 0.0% |
| Onondaga County, NY | 1 | Under 10 loans | 0.0% |
| Schenectady County, NY | 1 | Under 10 loans | 0.0% |
| Tompkins County, NY | 1 | Under 10 loans | 0.0% |
| Allegany County, NY | 0 | Under 10 loans | 100.0% |
| Nassau County, NY | 0 | Under 10 loans | 100.0% |
| Saratoga County, NY | 0 | Under 10 loans | Not published |
| Schuyler County, NY | 0 | Under 10 loans | 100.0% |
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When RELIANT COMMUNITY 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.