TEG Federal Credit Union in New York vs the state
13.0%Denial rate-6.72 pts vs state
15.6%Decision denial rate-8.43 pts vs state
67.6%Origination rate+8.02 pts vs state
6.50%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.15 pts vs state
$146kMedian applicant income
192Loans originated
37Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 275 | 182 | 20.0% | 6.94% | #168 |
| 2024 | 252 | 190 | 10.7% | 6.88% | #182 |
| 2025 | 284 | 192 | 13.0% | 6.50% | #182 |
What TEG 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 TEG Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dutchess County | 156 | 104 | 22 | 14.1% |
| Orange County | 59 | 41 | 7 | 11.9% |
| Ulster County | 26 | 18 | 1 | 3.8% |
| Putnam County | 17 | 10 | 6 | 35.3% |
| Westchester County | 14 | 9 | 1 | 7.1% |
| Greene County | 3 | 2 | 0 | 0.0% |
| Rockland County | 3 | 2 | 0 | 0.0% |
| Columbia County | 2 | 2 | 0 | 0.0% |
| Suffolk County | 1 | 1 | 0 | 0.0% |
| Saratoga County | 1 | 1 | 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: 284 applications in 2025, of which 192 were originated and 37 denied.
13.0% of all applications, or 15.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans TEG Federal Credit Union originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are TEG 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