Lender in New York · HMDA 2025
Navy Federal Credit Union mortgages in New York
Navy Federal Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Navy Federal Credit Union originated 692 owner-occupied single-family loans in New York from 876 completed applications.
Its median conventional purchase loan costs were $4,720 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
692
of 876 applications
Denial rate
13.7%
Purchase · NY 9.5%
Rate spread
−0.10 pts
Conv. · NY +0.07 pts
Loan amount
$315,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 708 | 608 | 13.7% | 6.625% | −0.10 pts | $4,720 | $315,000 |
| Refinance | 36 | 17 | 52.8% | — | — | — | — |
| Cash-out refinance | 132 | 67 | 47.7% | — | −0.10 pts | $2,470 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Navy Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 35.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clinton County | 7 | 10 | 2.0% |
| Jefferson County | 8 | 43 | 3.8% |
| St. Lawrence County | 9 | 12 | 2.2% |
| Fulton County | 10 | 11 | 2.5% |
| Schuyler County | 10 | 3 | 2.5% |
| Steuben County | 13 | 11 | 1.4% |
| Franklin County | 15 | 3 | 1.4% |
| Rensselaer County | 16 | 15 | 1.0% |
| Putnam County | 16 | 13 | 1.2% |
| Saratoga County | 17 | 36 | 1.5% |
| Schenectady County | 17 | 19 | 1.1% |
| Warren County | 17 | 7 | 1.2% |
| Lewis County | 18 | 2 | 1.0% |
| Oneida County | 19 | 25 | 1.4% |
| Broome County | 19 | 15 | 1.1% |
| Schoharie County | 19 | 3 | 1.2% |
| Allegany County | 19 | 2 | 0.7% |
| Wayne County | 20 | 8 | 0.9% |
| Washington County | 20 | 6 | 1.0% |
| Chenango County | 20 | 3 | 1.0% |
| Delaware County | 20 | 2 | 0.8% |
| Herkimer County | 21 | 4 | 0.9% |
| Cortland County | 21 | 3 | 1.0% |
| Montgomery County | 21 | 3 | 0.7% |
| Chemung County | 22 | 6 | 0.8% |
| Otsego County | 22 | 3 | 0.8% |
| Albany County | 23 | 16 | 0.6% |
| Niagara County | 23 | 15 | 0.7% |
| Sullivan County | 23 | 6 | 1.0% |
| Chautauqua County | 23 | 5 | 0.6% |
- Navy Federal Credit Union nationwide
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- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology