Western Division Federal Credit Union in New York vs the state
12.8%Denial rate-6.92 pts vs state
13.5%Decision denial rate-10.56 pts vs state
81.3%Origination rate+21.69 pts vs state
—Median rate
—Rate spread (pts)
$105kMedian applicant income
304Loans originated
48Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 265 | 228 | 9.1% | — | #172 |
| 2024 | 372 | 300 | 16.1% | — | #145 |
| 2025 | 374 | 304 | 12.8% | — | #160 |
What Western Division 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 Western Division Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 303 | 249 | 37 | 12.2% |
| Chautauqua County | 37 | 25 | 9 | 24.3% |
| Niagara County | 29 | 26 | 2 | 6.9% |
| Wyoming County | 4 | 3 | 0 | 0.0% |
| Genesee 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: 374 applications in 2025, of which 304 were originated and 48 denied.
12.8% of all applications, or 13.5% 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 Western Division 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