Ark Mortgage in New York vs the state
1.4%Denial rate-18.35 pts vs state
2.0%Decision denial rate-22.03 pts vs state
65.2%Origination rate+5.60 pts vs state
7.38%Median rate+0.75 pts vs state
0.85Rate spread (pts)+0.64 pts vs state
$17kMedian applicant income
605Loans originated
13Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 739 | 407 | 1.6% | 7.13% | #94 |
| 2024 | 982 | 596 | 2.3% | 7.63% | #82 |
| 2025 | 928 | 605 | 1.4% | 7.38% | #98 |
What Ark 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 Ark Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 262 | 176 | 3 | 1.1% |
| Rockland County | 226 | 147 | 4 | 1.8% |
| Kings County | 207 | 134 | 0 | 0.0% |
| Sullivan County | 95 | 72 | 2 | 2.1% |
| Nassau County | 26 | 15 | 2 | 7.7% |
| Queens County | 19 | 12 | 0 | 0.0% |
| Westchester County | 14 | 9 | 1 | 7.1% |
| Richmond County | 14 | 10 | 0 | 0.0% |
| Bronx County | 13 | 4 | 1 | 7.7% |
| Ulster County | 11 | 5 | 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: 928 applications in 2025, of which 605 were originated and 13 denied.
1.4% of all applications, or 2.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Ark Mortgage originated in New York in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Ark 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