Lender in New York · HMDA 2025
Sefcu Services, LLC mortgages in New York
Sefcu Services, LLC's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Sefcu Services, LLC originated 2,191 owner-occupied single-family loans in New York from 2,254 completed applications, making it the state's #11 lender by volume.
Its median conventional purchase loan costs were $3,930 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.375% (New York: 6.50%).
Loans in NY
2,191
of 2,254 applications
Denial rate
1.6%
Purchase · NY 9.5%
Rate spread
−0.12 pts
Conv. · NY +0.07 pts
Loan amount
$275,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,067 | 2,014 | 1.6% | 6.375% | −0.12 pts | $3,930 | $275,000 |
| Refinance | 80 | 78 | 1.3% | 6.250% | −0.16 pts | $3,310 | $265,000 |
| Cash-out refinance | 107 | 99 | 5.6% | 6.625% | +0.07 pts | $3,620 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Sefcu Services, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Albany County | 1 | 594 | 22.8% |
| Saratoga County | 1 | 371 | 15.3% |
| Rensselaer County | 1 | 303 | 20.7% |
| Schenectady County | 1 | 266 | 15.2% |
| Montgomery County | 3 | 33 | 7.8% |
| Herkimer County | 4 | 29 | 6.4% |
| Schoharie County | 4 | 14 | 5.5% |
| Onondaga County | 5 | 205 | 4.8% |
| Warren County | 5 | 24 | 4.3% |
| Washington County | 5 | 20 | 3.4% |
| Fulton County | 6 | 23 | 5.2% |
| Madison County | 6 | 20 | 3.4% |
| Oneida County | 8 | 77 | 4.2% |
| Columbia County | 8 | 12 | 2.5% |
| Otsego County | 9 | 11 | 2.8% |
| Tioga County | 10 | 11 | 2.7% |
| Greene County | 10 | 9 | 2.4% |
| Franklin County | 10 | 4 | 1.9% |
| Broome County | 12 | 31 | 2.3% |
| Delaware County | 12 | 3 | 1.2% |
| Essex County | 13 | 4 | 1.6% |
| Oswego County | 14 | 22 | 2.1% |
| Chenango County | 17 | 4 | 1.3% |
| Tompkins County | 19 | 4 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology