21st Mortgage in New York vs the state
43.1%Denial rate+23.34 pts vs state
68.7%Decision denial rate+44.62 pts vs state
18.2%Origination rate-41.39 pts vs state
9.92%Median rate+3.30 pts vs state
4.20Rate spread (pts)+3.99 pts vs state
$70kMedian applicant income
373Loans originated
883Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,889 | 401 | 46.6% | 9.30% | #41 |
| 2024 | 2,070 | 386 | 46.2% | 9.95% | #37 |
| 2025 | 2,049 | 373 | 43.1% | 9.92% | #42 |
What 21st 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 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saratoga County | 231 | 28 | 120 | 51.9% |
| Oswego County | 117 | 20 | 41 | 35.0% |
| Oneida County | 106 | 29 | 47 | 44.3% |
| Erie County | 89 | 23 | 34 | 38.2% |
| Orange County | 76 | 9 | 35 | 46.1% |
| Rockland County | 73 | 34 | 14 | 19.2% |
| Niagara County | 60 | 18 | 25 | 41.7% |
| Suffolk County | 60 | 7 | 30 | 50.0% |
| Ontario County | 60 | 12 | 26 | 43.3% |
| Dutchess County | 55 | 7 | 18 | 32.7% |
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: 2,049 applications in 2025, of which 373 were originated and 883 denied.
43.1% of all applications, or 68.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans 21st Mortgage originated in New York in 2025 was 9.92%, against a statewide median of 6.63%.
About this data. Figures are 21st 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