Municipal Credit Union reported 2,484 applications for homes in New York in the HMDA data of 2025.
It originated 867 loans in the state in 2025, for $222 million in total.
The median interest rate of these loans in 2025 was 6.125%, and the median of all lenders in New York was 6.500%.
The median total loan costs in 2025 were $4,009, and the state median was $6,527.
It denied 42.8% of the applications that it decided in the state in 2025, and the state denial rate was 24.0%.
Filed figures of Municipal Credit Union in New York, 2025
Figure
In NY
Lender, all states
NY, all lenders
Applications
2,484
3,157
389,757
Loans originated
867
1,203
232,239
Median interest rate
6.125%
5.875%
6.500%
Median total loan costs
$4,009
$4,789
$6,527
Denial rate
42.8%
40.3%
24.0%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Municipal Credit Union in New York, 2025Each value has the median of all lenders in New York under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in NY
285
6.125%NY 6.500%
$4,009NY $6,527
$0NY $1,990
$1,283NY $2,475
$200NY $659
−0.248NY 0.152
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.248 percentage points below the average prime offer rate. On a loan of $300,000, that is about $744 less a year, or $62 less a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in New York. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Municipal Credit Union were in New York in 2025?
867 of its loans originated, out of 1,203 in all states. That is 72.1%.
In which counties of New York did Municipal Credit Union originate the most loans in 2025?
The three with the most loans were Queens County (168), Kings County (138) and Richmond County (127).
Which loan types did Municipal Credit Union originate in New York in 2025?
All its loans in the state were of one type: 867 conventional.
How did the applications of Municipal Credit Union in New York change from 2022 to 2025?
It reported 2,403 applications in 2022 and 2,484 in 2025.