CFCU COMMUNITY Credit Union in New York vs the state
12.8%Denial rate-6.99 pts vs state
13.3%Decision denial rate-10.72 pts vs state
79.3%Origination rate+19.70 pts vs state
6.00%Median rate-0.63 pts vs state
-0.38Rate spread (pts)-0.59 pts vs state
$111kMedian applicant income
379Loans originated
61Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 516 | 433 | 8.0% | 6.00% | #112 |
| 2024 | 461 | 380 | 10.2% | 6.19% | #126 |
| 2025 | 478 | 379 | 12.8% | 6.00% | #137 |
What CFCU COMMUNITY Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most CFCU COMMUNITY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tompkins County | 255 | 205 | 29 | 11.4% |
| Cortland County | 86 | 70 | 9 | 10.5% |
| Onondaga County | 43 | 34 | 6 | 14.0% |
| Cayuga County | 14 | 11 | 1 | 7.1% |
| Tioga County | 13 | 9 | 3 | 23.1% |
| Seneca County | 13 | 11 | 2 | 15.4% |
| Schuyler County | 11 | 9 | 2 | 18.2% |
| Madison County | 10 | 7 | 2 | 20.0% |
| Broome County | 8 | 6 | 1 | 12.5% |
| Chemung County | 7 | 5 | 1 | 14.3% |
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: 478 applications in 2025, of which 379 were originated and 61 denied.
12.8% of all applications, or 13.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans CFCU COMMUNITY Credit Union originated in New York in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are CFCU COMMUNITY Credit Union'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