Absolute Home Mortgage in New York vs the state
6.3%Denial rate-13.47 pts vs state
8.0%Decision denial rate-16.02 pts vs state
72.0%Origination rate+12.39 pts vs state
6.93%Median rate+0.31 pts vs state
0.77Rate spread (pts)+0.56 pts vs state
$98kMedian applicant income
298Loans originated
26Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 339 | 216 | 8.3% | 6.88% | #151 |
| 2024 | 325 | 240 | 3.4% | 7.00% | #160 |
| 2025 | 414 | 298 | 6.3% | 6.93% | #150 |
What Absolute Home 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 Absolute Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clinton County | 144 | 111 | 10 | 6.9% |
| Broome County | 46 | 30 | 4 | 8.7% |
| Richmond County | 37 | 31 | 2 | 5.4% |
| Franklin County | 34 | 27 | 3 | 8.8% |
| Suffolk County | 23 | 12 | 2 | 8.7% |
| Essex County | 20 | 14 | 2 | 10.0% |
| Washington County | 12 | 5 | 0 | 0.0% |
| Orange County | 11 | 9 | 0 | 0.0% |
| Tioga County | 8 | 7 | 0 | 0.0% |
| Bronx County | 8 | 2 | 1 | 12.5% |
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: 414 applications in 2025, of which 298 were originated and 26 denied.
6.3% of all applications, or 8.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Absolute Home Mortgage originated in New York in 2025 was 6.93%, against a statewide median of 6.63%.
About this data. Figures are Absolute Home 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