Niagara'S Choice Federal Credit Union in New York vs the state
27.6%Denial rate+7.85 pts vs state
28.0%Decision denial rate+4.00 pts vs state
70.8%Origination rate+11.24 pts vs state
5.55%Median rate-1.08 pts vs state
-0.54Rate spread (pts)-0.75 pts vs state
$105kMedian applicant income
136Loans originated
53Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 107 | 93 | 8.4% | 6.60% | #259 |
| 2024 | 59 | 57 | 0.0% | 7.00% | #309 |
| 2025 | 192 | 136 | 27.6% | 5.55% | #210 |
What Niagara'S Choice 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 Niagara'S Choice Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Niagara County | 158 | 107 | 49 | 31.0% |
| Erie County | 33 | 28 | 4 | 12.1% |
| Orleans 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: 192 applications in 2025, of which 136 were originated and 53 denied.
27.6% of all applications, or 28.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Niagara'S Choice Federal Credit Union originated in New York in 2025 was 5.55%, against a statewide median of 6.63%.
About this data. Figures are Niagara'S Choice 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