SECNY Federal Credit Union
SECNY Federal Credit Union received 99 applications in 2025 and made 76 mortgages, in 4 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $135,000. Of 85 decisions, 9 were denials — 10.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900RKU25JCJEP4R59 |
|---|---|
| Applications received | 99 |
| Mortgages made | 76 |
| Denied | 9 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.0315 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 | 29 | 6.125% | $175,000 | 9.4% |
| Refinancing | 19 | 6.750% | $135,000 | 13.6% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Other purposes | 23 | 6.750% | $55,000 | 4.2% |
Where SECNY 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 |
|---|---|---|---|
| Onondaga County, NY | 66 | 6.500% | 5.7% |
| Cayuga County, NY | 4 | Under 10 loans | 20.0% |
| Oswego County, NY | 4 | Under 10 loans | 20.0% |
| Madison County, NY | 2 | Under 10 loans | 60.0% |
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When SECNY 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.