G.P.O. Federal Credit Union in New York vs the state
39.5%Denial rate+19.71 pts vs state
40.4%Decision denial rate+16.36 pts vs state
56.8%Origination rate-2.80 pts vs state
4.99%Median rate-1.63 pts vs state
-0.22Rate spread (pts)-0.43 pts vs state
$80kMedian applicant income
318Loans originated
221Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 409 | 289 | 24.5% | 6.13% | #131 |
| 2024 | 400 | 275 | 26.0% | 4.75% | #140 |
| 2025 | 560 | 318 | 39.5% | 4.99% | #124 |
What G.P.O. 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 G.P.O. Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oneida County | 317 | 179 | 127 | 40.1% |
| Herkimer County | 161 | 94 | 60 | 37.3% |
| Madison County | 39 | 19 | 18 | 46.2% |
| Fulton County | 14 | 7 | 7 | 50.0% |
| Onondaga County | 6 | 4 | 1 | 16.7% |
| Otsego County | 6 | 4 | 2 | 33.3% |
| Montgomery County | 6 | 2 | 4 | 66.7% |
| Saratoga County | 4 | 4 | 0 | 0.0% |
| Cayuga County | 2 | 2 | 0 | 0.0% |
| Tompkins 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: 560 applications in 2025, of which 318 were originated and 221 denied.
39.5% of all applications, or 40.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans G.P.O. Federal Credit Union originated in New York in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are G.P.O. 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