Axos Bank in New York vs the state
24.1%Denial rate+4.34 pts vs state
57.0%Decision denial rate+32.95 pts vs state
17.3%Origination rate-42.32 pts vs state
6.63%Median rate0.00 pts vs state
-0.12Rate spread (pts)-0.33 pts vs state
$200kMedian applicant income
38Loans originated
53Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 41 | 32.8% | 7.66% | #209 |
| 2024 | 126 | 24 | 32.5% | 7.30% | #235 |
| 2025 | 220 | 38 | 24.1% | 6.63% | #198 |
What Axos Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Axos Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 40 | 10 | 8 | 20.0% |
| Nassau County | 24 | 4 | 10 | 41.7% |
| New York County | 21 | 3 | 10 | 47.6% |
| Westchester County | 19 | 7 | 2 | 10.5% |
| Queens County | 16 | 2 | 3 | 18.8% |
| Erie County | 14 | 1 | 4 | 28.6% |
| Kings County | 12 | 2 | 4 | 33.3% |
| Orange County | 9 | 1 | 2 | 22.2% |
| Ulster County | 8 | 0 | 2 | 25.0% |
| Saratoga County | 5 | 1 | 1 | 20.0% |
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: 220 applications in 2025, of which 38 were originated and 53 denied.
24.1% of all applications, or 57.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Axos Bank originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Axos Bank'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