Lender in New York · HMDA 2025
Northern Credit Union mortgages in New York
Northern Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Northern Credit Union originated 245 owner-occupied single-family loans in New York from 273 completed applications.
Its median conventional purchase loan costs were $4,220 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.49% (New York: 6.50%).
Loans in NY
245
of 273 applications
Denial rate
3.8%
Purchase · NY 9.5%
Rate spread
+0.11 pts
Conv. · NY +0.07 pts
Loan amount
$165,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 183 | 173 | 3.8% | 6.490% | +0.11 pts | $4,220 | $165,000 |
| Refinance | 72 | 56 | 15.3% | — | −0.19 pts | $690 | $75,000 |
| Cash-out refinance | 18 | 16 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Northern Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lewis County | 1 | 32 | 15.4% |
| Jefferson County | 2 | 93 | 8.1% |
| St. Lawrence County | 4 | 56 | 10.4% |
| Oswego County | 11 | 27 | 2.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology