Utica Gas & Electric Federal Credit Union in New York vs the state
0.0%Denial rate-19.75 pts vs state
0.0%Decision denial rate-24.04 pts vs state
98.9%Origination rate+39.33 pts vs state
6.63%Median rate0.00 pts vs state
0.01Rate spread (pts)-0.21 pts vs state
$109kMedian applicant income
92Loans originated
0Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 64 | 0.0% | 6.25% | #310 |
| 2024 | 84 | 84 | 0.0% | 6.49% | #281 |
| 2025 | 93 | 92 | 0.0% | 6.63% | #275 |
What Utica Gas & Electric Federal Credit Union lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most Utica Gas & Electric Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oneida County | 58 | 58 | 0 | 0.0% |
| Herkimer County | 12 | 12 | 0 | 0.0% |
| Madison County | 7 | 7 | 0 | 0.0% |
| Onondaga County | 5 | 5 | 0 | 0.0% |
| Oswego County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 3 | 2 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Rensselaer County | 1 | 1 | 0 | 0.0% |
| Cayuga County | 1 | 1 | 0 | 0.0% |
| St. Lawrence 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: 93 applications in 2025, of which 92 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Utica Gas & Electric Federal Credit Union originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Utica Gas & Electric 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