Wallkill Valley Federal Savings and Loan Association in New York vs the state
5.6%Denial rate-14.12 pts vs state
6.9%Decision denial rate-17.14 pts vs state
71.1%Origination rate+11.54 pts vs state
—Median rate
—Rate spread (pts)
$175kMedian applicant income
101Loans originated
8Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 149 | 114 | 6.0% | — | #226 |
| 2024 | 123 | 94 | 4.9% | — | #239 |
| 2025 | 142 | 101 | 5.6% | — | #236 |
What Wallkill Valley Federal Savings and Loan Association lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Wallkill Valley Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ulster County | 75 | 56 | 3 | 4.0% |
| Orange County | 40 | 27 | 3 | 7.5% |
| Dutchess County | 10 | 6 | 0 | 0.0% |
| Greene County | 7 | 6 | 0 | 0.0% |
| Sullivan County | 4 | 2 | 0 | 0.0% |
| Delaware County | 2 | 2 | 0 | 0.0% |
| Columbia County | 2 | 1 | 1 | 50.0% |
| Rockland County | 1 | 0 | 1 | 100.0% |
| Westchester 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: 142 applications in 2025, of which 101 were originated and 8 denied.
5.6% of all applications, or 6.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Wallkill Valley Federal Savings and Loan Association'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