American Financing in New York vs the state
56.2%Denial rate+36.49 pts vs state
77.2%Decision denial rate+53.14 pts vs state
11.6%Origination rate-47.99 pts vs state
6.13%Median rate-0.50 pts vs state
0.07Rate spread (pts)-0.14 pts vs state
$92kMedian applicant income
53Loans originated
257Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 369 | 63 | 43.6% | 6.38% | #142 |
| 2024 | 484 | 62 | 63.6% | 6.25% | #121 |
| 2025 | 457 | 53 | 56.2% | 6.13% | #141 |
What American Financing 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 Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 48 | 3 | 25 | 52.1% |
| Erie County | 31 | 1 | 21 | 67.7% |
| Nassau County | 29 | 2 | 15 | 51.7% |
| Monroe County | 24 | 3 | 15 | 62.5% |
| Westchester County | 24 | 3 | 13 | 54.2% |
| Onondaga County | 21 | 2 | 13 | 61.9% |
| Orange County | 20 | 5 | 9 | 45.0% |
| Queens County | 20 | 4 | 8 | 40.0% |
| Dutchess County | 16 | 0 | 10 | 62.5% |
| Saratoga County | 15 | 3 | 9 | 60.0% |
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: 457 applications in 2025, of which 53 were originated and 257 denied.
56.2% of all applications, or 77.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans American Financing originated in New York in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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