1st Priority Mortgage in New York vs the state
4.2%Denial rate-15.51 pts vs state
4.7%Decision denial rate-19.35 pts vs state
85.3%Origination rate+25.68 pts vs state
6.50%Median rate-0.13 pts vs state
0.17Rate spread (pts)-0.04 pts vs state
$109kMedian applicant income
1,691Loans originated
84Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,442 | 1,229 | 4.9% | 6.63% | #52 |
| 2024 | 1,703 | 1,424 | 4.5% | 6.63% | #43 |
| 2025 | 1,983 | 1,691 | 4.2% | 6.50% | #44 |
What 1st Priority Mortgage lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most 1st Priority Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 449 | 408 | 17 | 3.8% |
| Monroe County | 276 | 247 | 9 | 3.3% |
| Niagara County | 125 | 109 | 9 | 7.2% |
| Rockland County | 113 | 90 | 5 | 4.4% |
| Broome County | 106 | 86 | 5 | 4.7% |
| Orange County | 100 | 83 | 6 | 6.0% |
| Suffolk County | 74 | 64 | 2 | 2.7% |
| Onondaga County | 70 | 62 | 0 | 0.0% |
| Westchester County | 63 | 51 | 1 | 1.6% |
| Tompkins County | 56 | 44 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,983 applications in 2025, of which 1,691 were originated and 84 denied.
4.2% of all applications, or 4.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans 1st Priority Mortgage originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are 1st Priority Mortgage's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology