Reliant Community Federal Credit Union in New York vs the state
22.1%Denial rate+2.35 pts vs state
23.9%Decision denial rate-0.18 pts vs state
69.3%Origination rate+9.66 pts vs state
7.39%Median rate+0.76 pts vs state
0.37Rate spread (pts)+0.16 pts vs state
$89kMedian applicant income
705Loans originated
225Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 949 | 658 | 21.8% | 6.79% | #84 |
| 2024 | 928 | 677 | 17.4% | 7.49% | #86 |
| 2025 | 1,018 | 705 | 22.1% | 7.39% | #89 |
What Reliant Community 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 Reliant Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 431 | 308 | 92 | 21.3% |
| Monroe County | 312 | 206 | 76 | 24.4% |
| Ontario County | 188 | 131 | 42 | 22.3% |
| Seneca County | 22 | 17 | 3 | 13.6% |
| Yates County | 17 | 11 | 3 | 17.6% |
| Orleans County | 9 | 7 | 1 | 11.1% |
| Livingston County | 8 | 5 | 3 | 37.5% |
| Cayuga County | 7 | 6 | 1 | 14.3% |
| Steuben County | 6 | 3 | 0 | 0.0% |
| Genesee County | 4 | 4 | 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: 1,018 applications in 2025, of which 705 were originated and 225 denied.
22.1% of all applications, or 23.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Reliant Community Federal Credit Union originated in New York in 2025 was 7.39%, against a statewide median of 6.63%.
About this data. Figures are Reliant Community 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