United Nations Federal Credit Union in New York vs the state
8.2%Denial rate-11.54 pts vs state
9.9%Decision denial rate-14.19 pts vs state
74.2%Origination rate+14.57 pts vs state
5.75%Median rate-0.88 pts vs state
-0.30Rate spread (pts)-0.51 pts vs state
$200kMedian applicant income
244Loans originated
27Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 425 | 310 | 9.9% | 5.25% | #128 |
| 2024 | 428 | 284 | 8.9% | 5.88% | #132 |
| 2025 | 329 | 244 | 8.2% | 5.75% | #169 |
What United Nations 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 United Nations Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New York County | 99 | 78 | 8 | 8.1% |
| Queens County | 71 | 52 | 7 | 9.9% |
| Westchester County | 49 | 37 | 3 | 6.1% |
| Kings County | 46 | 33 | 5 | 10.9% |
| Nassau County | 25 | 18 | 0 | 0.0% |
| Suffolk County | 13 | 8 | 2 | 15.4% |
| Bronx County | 6 | 5 | 0 | 0.0% |
| Putnam County | 3 | 3 | 0 | 0.0% |
| Sullivan County | 3 | 1 | 1 | 33.3% |
| Dutchess County | 3 | 3 | 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: 329 applications in 2025, of which 244 were originated and 27 denied.
8.2% of all applications, or 9.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans United Nations Federal Credit Union originated in New York in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are United Nations 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