American Financial Network in New York vs the state
9.0%Denial rate-10.77 pts vs state
12.9%Decision denial rate-11.15 pts vs state
59.9%Origination rate+0.29 pts vs state
6.99%Median rate+0.37 pts vs state
0.67Rate spread (pts)+0.46 pts vs state
$161kMedian applicant income
827Loans originated
124Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 985 | 479 | 14.6% | 7.00% | #82 |
| 2024 | 1,203 | 752 | 12.1% | 7.13% | #64 |
| 2025 | 1,381 | 827 | 9.0% | 6.99% | #61 |
What American Financial Network lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 242 | 129 | 26 | 10.7% |
| Erie County | 140 | 103 | 9 | 6.4% |
| Suffolk County | 131 | 84 | 13 | 9.9% |
| Nassau County | 128 | 78 | 10 | 7.8% |
| Queens County | 120 | 59 | 4 | 3.3% |
| Rockland County | 89 | 48 | 9 | 10.1% |
| Orange County | 84 | 41 | 12 | 14.3% |
| Westchester County | 53 | 37 | 5 | 9.4% |
| Bronx County | 53 | 31 | 8 | 15.1% |
| Chemung County | 40 | 30 | 2 | 5.0% |
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: 1,381 applications in 2025, of which 827 were originated and 124 denied.
9.0% of all applications, or 12.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans American Financial Network originated in New York in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are American Financial Network'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