Credit Human Federal Credit Union in New York vs the state
53.3%Denial rate+33.59 pts vs state
53.4%Decision denial rate+29.38 pts vs state
18.1%Origination rate-41.46 pts vs state
8.40%Median rate+1.78 pts vs state
2.62Rate spread (pts)+2.41 pts vs state
$65kMedian applicant income
122Loans originated
359Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 712 | 143 | 53.2% | 8.00% | #95 |
| 2024 | 730 | 139 | 51.5% | 8.60% | #97 |
| 2025 | 673 | 122 | 53.3% | 8.40% | #114 |
What Credit Human Federal 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 Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saratoga County | 101 | 13 | 52 | 51.5% |
| Ontario County | 56 | 14 | 25 | 44.6% |
| Niagara County | 49 | 11 | 32 | 65.3% |
| Oneida County | 40 | 3 | 26 | 65.0% |
| Oswego County | 33 | 5 | 17 | 51.5% |
| Monroe County | 21 | 7 | 6 | 28.6% |
| Dutchess County | 20 | 4 | 8 | 40.0% |
| Wayne County | 19 | 3 | 11 | 57.9% |
| Orange County | 19 | 5 | 9 | 47.4% |
| Onondaga County | 16 | 2 | 8 | 50.0% |
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: 673 applications in 2025, of which 122 were originated and 359 denied.
53.3% of all applications, or 53.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Credit Human Federal Credit Union originated in New York in 2025 was 8.40%, against a statewide median of 6.63%.
About this data. Figures are Credit Human Federal 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