# ESL Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/esl-federal-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

ESL Federal Credit Union is a credit union, headquartered in Rochester, NY, with 636 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 16% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300KUYF5QOROM7N37
- **Headquarters:** Rochester, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.432%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,124
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 636
- **Dollar Volume:** $119 million
- **Applications Received:** 765
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $186,604
- **Average Borrower Income:** $95,602

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 595 | +0.384% | $2,160 | Strong 😀 |
| FHA | 62/100 | 35 | +1.121% | $1,879 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 480 loans, Score: 71/100 (Strong)
- Refinance: 115 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 32 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 517 | $104M | +0.429% | Strong 😀 |
| Refinance | 70/100 | 119 | $15M | +0.457% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 636 | 0.56% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Rochester, NY | NY | 596 | 89/100 |
| Non |  | 31 | 34/100 |

## Frequently Asked Questions

### What loan types does ESL Federal Credit Union offer?

ESL Federal Credit Union offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ESL Federal Credit Union offer mortgages?

ESL Federal Credit Union offers mortgages in 1 states: NY.

### How competitive are ESL Federal Credit Union's mortgage rates?

ESL Federal Credit Union has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.432% above market average.

### What type of lender is ESL Federal Credit Union?

ESL Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Rochester, NY.

### What is ESL Federal Credit Union's loan approval success rate?

ESL Federal Credit Union has a pull-through score of 84/100 (Exceptional). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/esl-federal-credit-union

### How to Cite

> "ESL Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/esl-federal-credit-union

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