ESL Federal Credit Union in New York vs the state
17.6%Denial rate-2.16 pts vs state
19.2%Decision denial rate-4.85 pts vs state
70.8%Origination rate+11.18 pts vs state
4.50%Median rate-2.13 pts vs state
0.21Rate spread (pts)-0.01 pts vs state
$92kMedian applicant income
5,532Loans originated
1,375Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,107 | 5,726 | 16.3% | 4.95% | #10 |
| 2024 | 7,843 | 5,554 | 17.9% | 4.50% | #10 |
| 2025 | 7,817 | 5,532 | 17.6% | 4.50% | #10 |
What ESL 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 ESL Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 5,824 | 4,148 | 962 | 16.5% |
| Ontario County | 477 | 358 | 70 | 14.7% |
| Wayne County | 447 | 317 | 81 | 18.1% |
| Livingston County | 327 | 247 | 51 | 15.6% |
| Genesee County | 262 | 182 | 59 | 22.5% |
| Orleans County | 209 | 138 | 49 | 23.4% |
| Wyoming County | 69 | 44 | 17 | 24.6% |
| Steuben County | 42 | 25 | 15 | 35.7% |
| Seneca County | 38 | 29 | 6 | 15.8% |
| Yates County | 29 | 18 | 7 | 24.1% |
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% |
| Crosscountry Mortgage | B | 7,792 | 5.5% | 6.75% |
Frequently asked questions
New York: 7,817 applications in 2025, of which 5,532 were originated and 1,375 denied.
17.6% of all applications, or 19.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans ESL Federal Credit Union originated in New York in 2025 was 4.50%, against a statewide median of 6.63%.
About this data. Figures are ESL 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