American Heritage FCU in New York vs the state
56.3%Denial rate+36.50 pts vs state
64.3%Decision denial rate+40.25 pts vs state
31.3%Origination rate-28.34 pts vs state
6.49%Median rate-0.13 pts vs state
-0.21Rate spread (pts)-0.42 pts vs state
$160kMedian applicant income
5Loans originated
9Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 1 | 77.8% | 6.99% | #454 |
| 2024 | 11 | 2 | 81.8% | 6.56% | #435 |
| 2025 | 16 | 5 | 56.3% | 6.49% | #427 |
What American Heritage FCU lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most American Heritage FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Queens County | 4 | 1 | 3 | 75.0% |
| Nassau County | 2 | 1 | 1 | 50.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Chemung County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Suffolk County | 1 | 0 | 1 | 100.0% |
| Rockland County | 1 | 0 | 1 | 100.0% |
| Schoharie County | 1 | 0 | 1 | 100.0% |
| Erie County | 1 | 0 | 1 | 100.0% |
| Sullivan County | 1 | 0 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 16 applications in 2025, of which 5 were originated and 9 denied.
56.3% of all applications, or 64.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans American Heritage FCU originated in New York in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are American Heritage FCU's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology