Sidney Federal Credit Union in New York vs the state
12.0%Denial rate-7.78 pts vs state
13.6%Decision denial rate-10.41 pts vs state
71.7%Origination rate+12.15 pts vs state
6.25%Median rate-0.38 pts vs state
-0.07Rate spread (pts)-0.28 pts vs state
$98kMedian applicant income
1,061Loans originated
177Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 897 | 654 | 12.8% | — | #88 |
| 2025 | 1,479 | 1,061 | 12.0% | 6.25% | #56 |
What Sidney 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 Sidney Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onondaga County | 288 | 245 | 19 | 6.6% |
| Otsego County | 230 | 150 | 28 | 12.2% |
| Chenango County | 217 | 124 | 46 | 21.2% |
| Delaware County | 171 | 107 | 29 | 17.0% |
| Broome County | 73 | 50 | 11 | 15.1% |
| Saratoga County | 55 | 43 | 3 | 5.5% |
| Albany County | 44 | 39 | 0 | 0.0% |
| Oneida County | 44 | 35 | 3 | 6.8% |
| Oswego County | 30 | 22 | 5 | 16.7% |
| Warren County | 26 | 23 | 1 | 3.8% |
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: 1,479 applications in 2025, of which 1,061 were originated and 177 denied.
12.0% of all applications, or 13.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Sidney Federal Credit Union originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Sidney 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