Lender in New York · HMDA 2025
Cfcu Community Credit Union mortgages in New York
Cfcu Community Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Cfcu Community Credit Union originated 220 owner-occupied single-family loans in New York from 233 completed applications.
Its median conventional purchase loan costs were $0 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.25% (New York: 6.50%).
Loans in NY
220
of 233 applications
Denial rate
4.3%
Purchase · NY 9.5%
Rate spread
−0.50 pts
Conv. · NY +0.07 pts
Loan amount
$255,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 210 | 200 | 4.3% | 6.250% | −0.50 pts | $0 | $255,000 |
| Refinance | 4 | 3 | — | — | — | — | — |
| Cash-out refinance | 19 | 17 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Cfcu Community Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tompkins County | 2 | 128 | 21.2% |
| Cortland County | 2 | 41 | 13.1% |
| Schuyler County | 15 | 3 | 2.5% |
| Seneca County | 19 | 4 | 1.8% |
| Tioga County | 22 | 5 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology