Servu Federal Credit Union in New York vs the state
11.4%Denial rate-8.31 pts vs state
12.7%Decision denial rate-11.36 pts vs state
76.3%Origination rate+16.70 pts vs state
—Median rate
—Rate spread (pts)
$80kMedian applicant income
460Loans originated
69Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 531 | 358 | 11.1% | — | #109 |
| 2024 | 476 | 350 | 13.5% | — | #123 |
| 2025 | 603 | 460 | 11.4% | — | #121 |
What Servu Federal Credit Union lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most Servu Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Steuben County | 357 | 292 | 35 | 9.8% |
| Allegany County | 52 | 43 | 5 | 9.6% |
| Yates County | 45 | 35 | 9 | 20.0% |
| Chemung County | 42 | 32 | 8 | 19.0% |
| Schuyler County | 29 | 24 | 2 | 6.9% |
| Monroe County | 8 | 7 | 1 | 12.5% |
| Livingston County | 8 | 8 | 0 | 0.0% |
| Ontario County | 6 | 6 | 0 | 0.0% |
| Niagara County | 3 | 3 | 0 | 0.0% |
| Broome 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: 603 applications in 2025, of which 460 were originated and 69 denied.
11.4% of all applications, or 12.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Servu 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