Credit Union Mortgage Association in New York vs the state
7.3%Denial rate-12.41 pts vs state
11.8%Decision denial rate-12.28 pts vs state
55.1%Origination rate-4.54 pts vs state
5.88%Median rate-0.75 pts vs state
-0.44Rate spread (pts)-0.65 pts vs state
$113kMedian applicant income
60Loans originated
8Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 23 | 12.3% | 6.00% | #319 |
| 2024 | 75 | 39 | 4.0% | 6.00% | #297 |
| 2025 | 109 | 60 | 7.3% | 5.88% | #258 |
What Credit Union Mortgage Association 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 Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 35 | 23 | 3 | 8.6% |
| Rockland County | 12 | 5 | 1 | 8.3% |
| Tioga County | 8 | 4 | 1 | 12.5% |
| Chemung County | 7 | 4 | 0 | 0.0% |
| Queens County | 5 | 2 | 0 | 0.0% |
| Chautauqua County | 4 | 2 | 0 | 0.0% |
| Orange County | 4 | 1 | 1 | 25.0% |
| Erie County | 4 | 3 | 0 | 0.0% |
| Kings County | 4 | 1 | 0 | 0.0% |
| Niagara County | 3 | 2 | 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: 109 applications in 2025, of which 60 were originated and 8 denied.
7.3% of all applications, or 11.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Credit Union Mortgage Association originated in New York in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Credit Union Mortgage Association'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