American Internet Mortgage in New York vs the state
21.6%Denial rate+1.87 pts vs state
34.8%Decision denial rate+10.74 pts vs state
40.5%Origination rate-19.05 pts vs state
5.63%Median rate-1.00 pts vs state
-0.51Rate spread (pts)-0.72 pts vs state
$162kMedian applicant income
15Loans originated
8Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 1 | 30.8% | 6.63% | #437 |
| 2024 | 13 | 2 | 38.5% | 6.25% | #428 |
| 2025 | 37 | 15 | 21.6% | 5.63% | #362 |
What American Internet 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 American Internet Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 9 | 5 | 2 | 22.2% |
| Queens County | 6 | 0 | 0 | 0.0% |
| Kings County | 4 | 3 | 0 | 0.0% |
| Erie County | 4 | 3 | 0 | 0.0% |
| Essex County | 2 | 0 | 1 | 50.0% |
| Westchester County | 2 | 0 | 1 | 50.0% |
| Nassau County | 2 | 1 | 1 | 50.0% |
| Chautauqua County | 1 | 0 | 0 | 0.0% |
| Rockland County | 1 | 0 | 1 | 100.0% |
| Schenectady County | 1 | 1 | 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: 37 applications in 2025, of which 15 were originated and 8 denied.
21.6% of all applications, or 34.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans American Internet Mortgage originated in New York in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are American Internet 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