Arc Home in New York vs the state
8.5%Denial rate-11.27 pts vs state
12.9%Decision denial rate-11.18 pts vs state
56.9%Origination rate-2.69 pts vs state
6.99%Median rate+0.37 pts vs state
0.79Rate spread (pts)+0.58 pts vs state
$290kMedian applicant income
503Loans originated
75Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 309 | 145 | 16.8% | 7.63% | #160 |
| 2024 | 631 | 346 | 14.0% | 7.13% | #104 |
| 2025 | 884 | 503 | 8.5% | 6.99% | #101 |
What Arc Home lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Queens County | 230 | 142 | 16 | 7.0% |
| Nassau County | 134 | 84 | 14 | 10.4% |
| Kings County | 124 | 62 | 9 | 7.3% |
| Suffolk County | 120 | 71 | 9 | 7.5% |
| Westchester County | 62 | 37 | 4 | 6.5% |
| Richmond County | 43 | 26 | 5 | 11.6% |
| Rockland County | 29 | 12 | 2 | 6.9% |
| Orange County | 27 | 12 | 6 | 22.2% |
| Bronx County | 26 | 11 | 3 | 11.5% |
| New York County | 18 | 10 | 1 | 5.6% |
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: 884 applications in 2025, of which 503 were originated and 75 denied.
8.5% 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 Arc Home originated in New York in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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