Visions Federal Credit Union in New York vs the state
23.5%Denial rate+3.75 pts vs state
29.2%Decision denial rate+5.20 pts vs state
55.1%Origination rate-4.50 pts vs state
7.25%Median rate+0.63 pts vs state
0.04Rate spread (pts)-0.17 pts vs state
$93kMedian applicant income
1,022Loans originated
436Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,417 | 659 | 25.0% | 7.25% | #55 |
| 2024 | 1,437 | 666 | 27.4% | 7.75% | #46 |
| 2025 | 1,855 | 1,022 | 23.5% | 7.25% | #46 |
What Visions 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 Visions Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broome County | 950 | 526 | 221 | 23.3% |
| Tioga County | 250 | 145 | 56 | 22.4% |
| Chemung County | 129 | 64 | 40 | 31.0% |
| Onondaga County | 99 | 60 | 19 | 19.2% |
| Chenango County | 83 | 48 | 22 | 26.5% |
| Schuyler County | 62 | 35 | 10 | 16.1% |
| Tompkins County | 54 | 22 | 17 | 31.5% |
| Monroe County | 35 | 22 | 6 | 17.1% |
| Cortland County | 28 | 11 | 6 | 21.4% |
| Steuben County | 25 | 15 | 4 | 16.0% |
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: 1,855 applications in 2025, of which 1,022 were originated and 436 denied.
23.5% of all applications, or 29.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Visions Federal Credit Union originated in New York in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Visions 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