NextStep Federal Credit Union
NextStep Federal Credit Union received 36 applications in 2025 and made 30 mortgages, in 4 counties across 1 state. The median rate its borrowers got was 6.115% on a median loan of $60,000. Of 31 decisions, 1 were denials — 3.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RA8E6JQC2S7K66 |
|---|---|
| Applications received | 36 |
| Mortgages made | 30 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.237 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 | 0 | Under 10 loans | Under 10 loans | Not published |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 29 | 6.240% | $65,000 | 3.3% |
Where NextStep Federal Credit Union lends most
The 4 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Albany County, NY | 14 | 5.490% | 6.7% |
| Rensselaer County, NY | 10 | 6.865% | 0.0% |
| Saratoga County, NY | 3 | Under 10 loans | 0.0% |
| Schenectady County, NY | 3 | Under 10 loans | 0.0% |
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When NextStep Federal Credit Union’s figures are published for the next year, or restated.
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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.