Sefcu Services in New York vs the state
1.9%Denial rate-17.89 pts vs state
2.1%Decision denial rate-21.92 pts vs state
85.0%Origination rate+25.38 pts vs state
6.13%Median rate-0.50 pts vs state
-0.08Rate spread (pts)-0.29 pts vs state
$112kMedian applicant income
2,334Loans originated
51Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,689 | 3,214 | 2.1% | 5.50% | #22 |
| 2024 | 3,233 | 2,802 | 1.8% | 6.13% | #25 |
| 2025 | 2,747 | 2,334 | 1.9% | 6.13% | #33 |
What Sefcu Services lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Sefcu Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Albany County | 760 | 626 | 15 | 2.0% |
| Saratoga County | 451 | 388 | 4 | 0.9% |
| Rensselaer County | 385 | 315 | 8 | 2.1% |
| Schenectady County | 305 | 271 | 2 | 0.7% |
| Onondaga County | 229 | 219 | 2 | 0.9% |
| Oneida County | 99 | 82 | 1 | 1.0% |
| Erie County | 61 | 57 | 1 | 1.6% |
| Montgomery County | 50 | 35 | 3 | 6.0% |
| Broome County | 41 | 35 | 1 | 2.4% |
| Warren County | 40 | 36 | 1 | 2.5% |
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: 2,747 applications in 2025, of which 2,334 were originated and 51 denied.
1.9% of all applications, or 2.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Sefcu Services originated in New York in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Sefcu Services'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