American Heritage Lending in New York vs the state
12.4%Denial rate-7.36 pts vs state
16.4%Decision denial rate-7.60 pts vs state
43.5%Origination rate-16.13 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$190kMedian applicant income
256Loans originated
73Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 33 | 17.3% | 9.50% | #262 |
| 2024 | 290 | 126 | 7.6% | 7.88% | #168 |
| 2025 | 589 | 256 | 12.4% | 7.50% | #123 |
What American Heritage Lending 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 Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 135 | 77 | 7 | 5.2% |
| Kings County | 50 | 20 | 5 | 10.0% |
| Erie County | 40 | 19 | 5 | 12.5% |
| Queens County | 29 | 7 | 4 | 13.8% |
| Cayuga County | 28 | 1 | 20 | 71.4% |
| Nassau County | 27 | 8 | 3 | 11.1% |
| Onondaga County | 27 | 9 | 2 | 7.4% |
| Suffolk County | 26 | 4 | 5 | 19.2% |
| Orange County | 25 | 12 | 1 | 4.0% |
| Niagara County | 18 | 7 | 0 | 0.0% |
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: 589 applications in 2025, of which 256 were originated and 73 denied.
12.4% of all applications, or 16.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans American Heritage Lending originated in New York in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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