Atlanta Postal in New York vs the state
46.2%Denial rate+26.40 pts vs state
75.0%Decision denial rate+50.96 pts vs state
15.4%Origination rate-44.21 pts vs state
7.19%Median rate+0.56 pts vs state
-0.10Rate spread (pts)-0.31 pts vs state
$89kMedian applicant income
2Loans originated
6Denied
What Atlanta Postal lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Atlanta Postal applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New York County | 3 | 0 | 2 | 66.7% |
| Oswego County | 2 | 1 | 0 | 0.0% |
| Chautauqua County | 1 | 0 | 0 | 0.0% |
| Sullivan County | 1 | 0 | 0 | 0.0% |
| Westchester County | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Kings County | 1 | 0 | 1 | 100.0% |
| Suffolk County | 1 | 0 | 1 | 100.0% |
| Ulster 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: 13 applications in 2025, of which 2 were originated and 6 denied.
46.2% of all applications, or 75.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Atlanta Postal originated in New York in 2025 was 7.19%, against a statewide median of 6.63%.
About this data. Figures are Atlanta Postal'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