Heritage Financial Credit Union in New York vs the state
12.0%Denial rate-7.72 pts vs state
12.0%Decision denial rate-12.01 pts vs state
88.0%Origination rate+28.38 pts vs state
7.00%Median rate+0.38 pts vs state
0.32Rate spread (pts)+0.11 pts vs state
$134kMedian applicant income
351Loans originated
48Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 527 | 493 | 6.5% | 7.50% | #110 |
| 2024 | 515 | 450 | 12.6% | 7.50% | #117 |
| 2025 | 399 | 351 | 12.0% | 7.00% | #152 |
What Heritage Financial 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 Heritage Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 264 | 233 | 31 | 11.7% |
| Ulster County | 50 | 45 | 5 | 10.0% |
| Dutchess County | 30 | 27 | 3 | 10.0% |
| Sullivan County | 27 | 21 | 6 | 22.2% |
| Rockland County | 8 | 7 | 1 | 12.5% |
| Albany County | 5 | 4 | 1 | 20.0% |
| Putnam County | 3 | 3 | 0 | 0.0% |
| Westchester County | 3 | 3 | 0 | 0.0% |
| Columbia County | 2 | 1 | 1 | 50.0% |
| Greene County | 1 | 1 | 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: 399 applications in 2025, of which 351 were originated and 48 denied.
12.0% of all applications, or 12.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Heritage Financial Credit Union originated in New York in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Heritage Financial 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