United Nations Federal Credit Union NMLS #456916
At a glance
- HeadquartersNew York, NY
- Size1,493 home loans closed in 2025
- Loan typesConventional
Ask Hope Anything About Mortgage & Home Equity!
Hope could not take that just now. Your question is still in the box.
Hope is AI and can make mistakes. Please double-check responses. About Hope * Advertising Disclosure
Who is United Nations Federal Credit Union?
United Nations Federal Credit Union (NMLS #456916) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerUnited Nations Federal Credit Union
- NMLS #456916
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
Compare current mortgage rates · Mortgage calculator · All lender profiles
Credit union facts, as reported to the NCUA
- Total assets$10.7 billion
- Members266,891
- Branches3
- Chartered1947
- Net worth ratio9.78%
- Loans secured by first-lien 1-4 family residential property$5.4 billion
7% is the net worth ratio threshold in NCUA's capital classification; a credit union's overall category also depends on other requirements. This page reports the ratio as filed and does not grade the credit union.
Figures reported by UNITED NATIONS (NCUA charter 5588) for the quarter ending June 30, 2026 (NMLS 456916). FreeRateUpdate publishes these figures as reported and does not adjust them.
About United Nations Federal Credit Union
Overview
United Nations Federal Credit Union is a federally insured credit union based in New York. It offers banking products and loans to members, including U.S. mortgages and a home equity line of credit.
Mortgage options
Mortgage-related options include U.S. mortgages and a home equity line of credit.
How it works
Members can apply for a loan or credit card through Digital Banking by signing in and selecting Apply for a Loan or Credit Card under Account Services.
Company details and licensing
United Nations Federal Credit Union is headquartered at Two United Nations Plaza in New York, New York. Its NMLS company ID is 456916. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #456916 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asUnited Nations Federal Credit Union
- 2025 home loan decisionsOf 1,691 applications decided by United Nations Federal Credit Union in 2025, 1,493 were originated, 6 were approved but not accepted by the borrower, and 192 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 88.6%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 376 applications were withdrawn by the borrower, 92 were closed for incompleteness, and 15 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.264 percentage points below the average prime offer rate (reported on 1,190 originations, 303 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$4,808.50 — originated closed-end household loans, 2025, 1,191 loans. FFIEC HMDA data browser.
- Median origination charges$825.00 — originated closed-end household loans, 2025, 1,191 loans. FFIEC HMDA data browser.
- Median lender credits$1,345.31 — originated closed-end household loans, 2025, 881 of 1,191 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types1,493 Conventional — of 1,493 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for United Nations Federal Credit Union — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is United Nations Federal Credit Union's NMLS number?
United Nations Federal Credit Union's NMLS number is 456916. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified United Nations Federal Credit Union's NMLS ID?
Yes. We checked United Nations Federal Credit Union's company name and NMLS ID against the NMLS record on October 8, 2026. They've been in our lender network since November 2015. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about United Nations Federal Credit Union?
This page has United Nations Federal Credit Union's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.