Finger Lakes Federal Credit Union in New York vs the state
16.7%Denial rate-3.08 pts vs state
19.3%Decision denial rate-4.71 pts vs state
69.6%Origination rate+9.98 pts vs state
—Median rate
—Rate spread (pts)
$106kMedian applicant income
96Loans originated
23Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 118 | 80 | 19.5% | — | #250 |
| 2024 | 108 | 75 | 19.4% | — | #256 |
| 2025 | 138 | 96 | 16.7% | — | #239 |
What Finger Lakes Federal Credit Union lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most Finger Lakes Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 51 | 35 | 6 | 11.8% |
| Ontario County | 45 | 34 | 5 | 11.1% |
| Seneca County | 23 | 17 | 6 | 26.1% |
| Wayne County | 9 | 5 | 3 | 33.3% |
| Yates County | 4 | 2 | 1 | 25.0% |
| Schuyler County | 2 | 2 | 0 | 0.0% |
| Cayuga County | 2 | 1 | 0 | 0.0% |
| Steuben County | 1 | 0 | 1 | 100.0% |
| Niagara County | 1 | 0 | 1 | 100.0% |
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: 138 applications in 2025, of which 96 were originated and 23 denied.
16.7% of all applications, or 19.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Finger Lakes 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