Lender in New York · HMDA 2025
Teachers Federal Credit Union mortgages in New York
Teachers Federal Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Teachers Federal Credit Union originated 460 owner-occupied single-family loans in New York from 540 completed applications.
Its median conventional purchase loan costs were $4,820 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
460
of 540 applications
Denial rate
6.5%
Purchase · NY 9.5%
Rate spread
−0.04 pts
Conv. · NY +0.07 pts
Loan amount
$475,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 214 | 187 | 6.5% | 6.250% | −0.04 pts | $4,820 | $475,000 |
| Refinance | 63 | 56 | 9.5% | — | +0.37 pts | $0 | $155,000 |
| Cash-out refinance | 263 | 217 | 9.5% | 6.625% | +0.31 pts | $0 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Teachers Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Suffolk County | 8 | 365 | 2.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology