Lender in New York · HMDA 2025
Municipal Credit Union mortgages in New York
Municipal Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Municipal Credit Union originated 257 owner-occupied single-family loans in New York from 325 completed applications.
Its median conventional purchase loan costs were $4,050 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
257
of 325 applications
Denial rate
13.4%
Purchase · NY 9.5%
Rate spread
−0.30 pts
Conv. · NY +0.07 pts
Loan amount
$495,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 268 | 217 | 13.4% | 6.250% | −0.30 pts | $4,050 | $495,000 |
| Refinance | 14 | 7 | — | — | — | — | — |
| Cash-out refinance | 43 | 33 | 11.6% | 6.375% | −0.22 pts | $3,970 | $325,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology