Utica Gas & Electric Federal Credit Union
Utica Gas & Electric Federal Credit Union received 93 applications in 2025 and made 92 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $145,000. Of 92 decisions, 0 were denials — 0.0%.
| Legal Entity Identifier | 9845009L1378CEE50A18 |
|---|---|
| Applications received | 93 |
| Mortgages made | 92 |
| Denied | 0 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.005 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 | 30 | 6.625% | $180,000 | 0.0% |
| Refinancing | 14 | 6.625% | $255,000 | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 47 | 6.490% | $85,000 | 0.0% |
Where Utica Gas & Electric Federal Credit Union lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oneida County, NY | 58 | 6.495% | 0.0% |
| Herkimer County, NY | 12 | 6.558% | 0.0% |
| Madison County, NY | 7 | Under 10 loans | 0.0% |
| Onondaga County, NY | 5 | Under 10 loans | 0.0% |
| Oswego County, NY | 3 | Under 10 loans | 0.0% |
| Jefferson County, NY | 2 | Under 10 loans | 0.0% |
| Cayuga County, NY | 1 | Under 10 loans | 0.0% |
| Lewis County, NY | 1 | Under 10 loans | 0.0% |
| Monroe County, NY | 1 | Under 10 loans | 0.0% |
| Rensselaer County, NY | 1 | Under 10 loans | 0.0% |
| St. Lawrence County, NY | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Utica Gas & Electric 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.