Nassau Educators Federal Credit Union
Nassau Educators Federal Credit Union received 3,655 applications in 2025 and made 1,842 mortgages, in 34 counties across 4 states. The median rate its borrowers got was 5.990% on a median loan of $175,000. Of 3,532 decisions, 1,526 were denials — 43.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300T7DF901BR7V258 |
|---|---|
| Applications received | 3,655 |
| Mortgages made | 1,842 |
| Denied | 1,526 |
| Approved, not taken up | 164 |
| Withdrawn or incomplete | 123 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.25 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 100 | 5.990% | $420,000 | 34.5% |
| Refinancing | 337 | 5.990% | $235,000 | 36.2% |
| Cash-out refinancing | 26 | 6.250% | $355,000 | 49.2% |
| Other purposes | 1,379 | 5.990% | $155,000 | 45.2% |
Where Nassau Educators Federal Credit Union lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Nassau County, NY | 1,101 | 5.990% | 41.1% |
| Suffolk County, NY | 590 | 5.990% | 42.3% |
| Queens County, NY | 74 | 5.990% | 58.5% |
| Kings County, NY | 30 | 5.990% | 59.7% |
| Westchester County, NY | 9 | Under 10 loans | 38.9% |
| Bronx County, NY | 5 | Under 10 loans | 54.6% |
| Orange County, NY | 5 | Under 10 loans | 66.7% |
| Richmond County, NY | 4 | Under 10 loans | 50.0% |
| New York County, NY | 3 | Under 10 loans | 57.1% |
| Rockland County, NY | 3 | Under 10 loans | 60.0% |
| Erie County, NY | 2 | Under 10 loans | 0.0% |
| Greene County, NY | 2 | Under 10 loans | 25.0% |
| Schoharie County, NY | 2 | Under 10 loans | 0.0% |
| Sullivan County, NY | 2 | Under 10 loans | 50.0% |
| Ulster County, NY | 2 | Under 10 loans | 33.3% |
| Hudson County, NJ | 1 | Under 10 loans | 0.0% |
| Columbia County, NY | 1 | Under 10 loans | 66.7% |
| Delaware County, NY | 1 | Under 10 loans | 50.0% |
| Dutchess County, NY | 1 | Under 10 loans | 80.0% |
| Onondaga County, NY | 1 | Under 10 loans | 0.0% |
| Putnam County, NY | 1 | Under 10 loans | 0.0% |
| Rensselaer County, NY | 1 | Under 10 loans | 0.0% |
| Saratoga County, NY | 1 | Under 10 loans | 0.0% |
| Washington County, AR | 0 | Under 10 loans | 100.0% |
| Alachua County, FL | 0 | Under 10 loans | 100.0% |
| Hillsborough County, FL | 0 | Under 10 loans | 100.0% |
| Lake County, FL | 0 | Under 10 loans | 100.0% |
| Orange County, FL | 0 | Under 10 loans | 100.0% |
| St. Lucie County, FL | 0 | Under 10 loans | Not published |
| Sumter County, FL | 0 | Under 10 loans | 100.0% |
| Bergen County, NJ | 0 | Under 10 loans | Not published |
| Essex County, NJ | 0 | Under 10 loans | 100.0% |
| Broome County, NY | 0 | Under 10 loans | 0.0% |
| Essex County, NY | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.