Northern Credit Union in New York vs the state
17.0%Denial rate-2.71 pts vs state
18.0%Decision denial rate-6.03 pts vs state
70.8%Origination rate+11.22 pts vs state
6.38%Median rate-0.25 pts vs state
0.10Rate spread (pts)-0.11 pts vs state
$86kMedian applicant income
752Loans originated
181Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 898 | 577 | 24.5% | 6.50% | #88 |
| 2024 | 964 | 701 | 16.8% | 6.49% | #85 |
| 2025 | 1,062 | 752 | 17.0% | 6.38% | #85 |
What Northern 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 Northern Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 493 | 339 | 91 | 18.5% |
| St. Lawrence County | 176 | 122 | 32 | 18.2% |
| Lewis County | 170 | 116 | 33 | 19.4% |
| Onondaga County | 112 | 88 | 14 | 12.5% |
| Oswego County | 68 | 57 | 5 | 7.4% |
| Madison County | 17 | 14 | 2 | 11.8% |
| Franklin County | 5 | 2 | 2 | 40.0% |
| Oneida County | 4 | 2 | 0 | 0.0% |
| Monroe County | 2 | 0 | 1 | 50.0% |
| Cortland County | 2 | 2 | 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: 1,062 applications in 2025, of which 752 were originated and 181 denied.
17.0% of all applications, or 18.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Northern Credit Union originated in New York in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Northern 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