A&D Mortgage in New York vs the state
10.0%Denial rate-9.80 pts vs state
15.2%Decision denial rate-8.86 pts vs state
54.5%Origination rate-5.08 pts vs state
6.99%Median rate+0.37 pts vs state
0.74Rate spread (pts)+0.53 pts vs state
$203kMedian applicant income
948Loans originated
173Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,346 | 804 | 6.8% | 8.63% | #59 |
| 2024 | 1,454 | 743 | 12.4% | 7.88% | #45 |
| 2025 | 1,739 | 948 | 10.0% | 6.99% | #48 |
What A&D 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 A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Queens County | 328 | 174 | 26 | 7.9% |
| Kings County | 239 | 101 | 23 | 9.6% |
| Nassau County | 198 | 117 | 17 | 8.6% |
| Suffolk County | 193 | 101 | 25 | 13.0% |
| Bronx County | 184 | 113 | 21 | 11.4% |
| Westchester County | 94 | 45 | 6 | 6.4% |
| Richmond County | 93 | 67 | 10 | 10.8% |
| Erie County | 65 | 44 | 9 | 13.8% |
| Rockland County | 62 | 28 | 8 | 12.9% |
| Orange County | 56 | 29 | 9 | 16.1% |
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: 1,739 applications in 2025, of which 948 were originated and 173 denied.
10.0% of all applications, or 15.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans A&D Mortgage originated in New York in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are A&D 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