# UTICA GAS & ELECTRIC EMP CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/utica-gas-electric-emp-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UTICA GAS & ELECTRIC EMP CREDIT UNION is a credit union, headquartered in New Hartford, NY, with 34 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 9845009L1378CEE50A18
- **Headquarters:** New Hartford, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.085%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $0
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 34
- **Dollar Volume:** $8 million
- **Applications Received:** 34
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $230,000
- **Average Borrower Income:** $112,824
- **Average Property Value:** $326,176

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 34/100 | 34 | -0.085% | $0 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 28/100 | 18 | $4M | -0.051% | Acceptable 🙂 |
| Refinance | 43/100 | 16 | $4M | -0.118% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 34 | 0.03% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Utica | NY | 23 | 65/100 |

## Where This Lender Ranks

UTICA GAS & ELECTRIC EMP CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Utica Credit Unions
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Utica for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#19** in Utica
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders)
- 🏆 **#20** in Utica for Conventional Loans
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does UTICA GAS & ELECTRIC EMP CREDIT UNION offer?

UTICA GAS & ELECTRIC EMP CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UTICA GAS & ELECTRIC EMP CREDIT UNION offer mortgages?

UTICA GAS & ELECTRIC EMP CREDIT UNION offers mortgages in 1 states: NY.

### How competitive are UTICA GAS & ELECTRIC EMP CREDIT UNION's mortgage rates?

UTICA GAS & ELECTRIC EMP CREDIT UNION has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.085% below market average.

### What type of lender is UTICA GAS & ELECTRIC EMP CREDIT UNION?

UTICA GAS & ELECTRIC EMP CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in New Hartford, NY.

### What is UTICA GAS & ELECTRIC EMP CREDIT UNION's loan approval success rate?

UTICA GAS & ELECTRIC EMP CREDIT UNION has a pull-through score of 33/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/utica-gas-electric-emp-credit-union

### How to Cite

> "UTICA GAS & ELECTRIC EMP CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/utica-gas-electric-emp-credit-union

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