SECNY Federal Credit Union mortgage approval rate & lending review
SECNY Federal Credit Union decided 255 mortgage applications and funded 232 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions SECNY Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
SECNY Federal Credit Union at a glance
Approval is 14.3 points above the 76.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 94 / 106 | 100% | $205K | 94 |
| Home improvement loans | 96% | 73 / 76 | 100% | $55K | 73 |
| Refinance | 90% | 55 / 61 | 100% | $95K | 55 |
SECNY Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 91% | $95K | 255 | 232 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where SECNY Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Onondaga County, NY | Mortgage lenders | 89% | 98 | 87 |
| Onondaga County, NY | Home improvement loans | 97% | 72 | 70 |
| Onondaga County, NY | Refinance | 90% | 60 | 54 |
The county markets where SECNY Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about SECNY Federal Credit Union
What is SECNY Federal Credit Union's mortgage approval rate?
SECNY Federal Credit Union approved 91.0% of the 255 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.3 points above the 76.6% national rate for the same mix of loan types.
How often do borrowers take the loan SECNY Federal Credit Union offers?
Borrowers accepted 100% of the loans SECNY Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does SECNY Federal Credit Union make?
The typical home purchase mortgage loan SECNY Federal Credit Union made was $205K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does SECNY Federal Credit Union lend?
SECNY Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to SECNY Federal Credit Union directly?
Yes. SECNY Federal Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show SECNY Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how SECNY Federal Credit Union treats applications, then get a rate quote from the lender.