Affinity in New York vs the state
40.7%Denial rate+20.96 pts vs state
48.4%Decision denial rate+24.32 pts vs state
41.9%Origination rate-17.69 pts vs state
4.90%Median rate-1.72 pts vs state
-2.21Rate spread (pts)-2.42 pts vs state
$146kMedian applicant income
106Loans originated
103Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 154 | 56 | 41.6% | 8.25% | #224 |
| 2024 | 135 | 47 | 49.6% | 8.75% | #230 |
| 2025 | 253 | 106 | 40.7% | 4.90% | #189 |
What Affinity lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockland County | 92 | 47 | 29 | 31.5% |
| Westchester County | 56 | 28 | 16 | 28.6% |
| Nassau County | 18 | 10 | 5 | 27.8% |
| Orange County | 18 | 4 | 11 | 61.1% |
| Kings County | 13 | 5 | 6 | 46.2% |
| Suffolk County | 9 | 2 | 5 | 55.6% |
| Richmond County | 9 | 4 | 4 | 44.4% |
| Queens County | 8 | 0 | 7 | 87.5% |
| Bronx County | 6 | 2 | 4 | 66.7% |
| New York County | 4 | 0 | 4 | 100.0% |
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: 253 applications in 2025, of which 106 were originated and 103 denied.
40.7% of all applications, or 48.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Affinity originated in New York in 2025 was 4.90%, against a statewide median of 6.63%.
About this data. Figures are Affinity'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