Name of the lender

ACCESS Federal Credit UnionMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Clinton, NY
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)

Figures by state (CSV)

ACCESS Federal Credit Union reported 77 mortgage applications in the HMDA data of 2025.

It originated 58 loans in 2025, for $6.0 million in total.

The lender filed the interest rate as “Exempt” for all of its 58 loans originated in 2025. This page shows no median interest rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 9.4% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of ACCESS Federal Credit Union, 2025
Figure	This lender	United States
Applications	77Under 0.1% of the US total	11,766,671
Loans originated	58$6.0 million	6,827,891
Median interest rate	ExemptWhy there is no median	6.375%
Median total loan costs	Exempt	$6,413
Denial rate	9.4%	22.6%

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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Exempt

The lender filed the interest rate as “Exempt” for all of its 58 loans originated in 2025.

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.

The applications, the loans originated and the denial rate on this page do not need the exempt fields.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Action takenHMDA codes and labels

Records of ACCESS Federal Credit Union by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	58	75.3%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	6	7.8%	15.6%
4Application withdrawn by applicant	10	13.0%	12.6%
5File closed for incompleteness	3	3.9%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of ACCESS Federal Credit Union by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	77	58	9.4%US 23.4%

Applications of ACCESS Federal Credit Union by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	20	14	24.1%
Home improvement	3	1	1.7%
Refinancing	2	1	1.7%
Cash-out refinancing	8	3	5.2%
Other purpose	44	39	67.2%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

ACCESS Federal Credit Union by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
New York	77	58	n/a	n/a	9.4%

Figures by yearHMDA 2022 to 2025

ACCESS Federal Credit Union by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	77	58	n/a	n/a	9.4%	77
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	90	66	n/a	n/a	16.5%	90
2022	65	52	n/a	n/a	11.9%	82
2019	n/a	n/a	n/a	n/a	n/a	85
2018	n/a	n/a	n/a	n/a	n/a	108

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: ACCESS Federal Credit Union and the United States

ACCESS Federal Credit UnionUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Abacus Federal Savings BankNew York, NY
Auburn Community Federal Credit UnionAuburn, NY
Blair Services of America, IncMelville, NY
Financial Trust Federal Credit UnionWest Seneca, NY
Flushing BankUniondale, NY
GHS Federal Credit UnionBinghamton, NY
Jeff BankJeffersonville, NY
National Bank of CoxsackieCoxsackie, NY
OwnersChoice Funding, Inc.Albany, NY
Patriot One Mortgage BankersMineola, NY
Seneca SavingsBaldwinsville, NY
TCT Federal Credit UnionBallston Spa, NY

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "ACCESS Federal Credit Union mortgage rates, 2025", https://lenderregister.com/lender/549300v4qn9vp69k5i11-access-federal-credit-union/
Lender: ACCESS Federal Credit Union, LEI 549300V4QN9VP69K5I11
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did ACCESS Federal Credit Union buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did ACCESS Federal Credit Union originate the most loans in 2025?: It had 25 applications or more in one state only: New York, with 58 loans originated.
Which loan types did ACCESS Federal Credit Union originate in 2025?: All its loans were of one type: 58 Conventional.
How did the applications of ACCESS Federal Credit Union change from 2022 to 2025?: It reported 65 applications in 2022 and 77 in 2025.