Bpl Mortgage Trust in New York vs the state
21.0%Denial rate+1.29 pts vs state
22.7%Decision denial rate-1.30 pts vs state
54.5%Origination rate-5.07 pts vs state
7.63%Median rate+1.00 pts vs state
—Rate spread (pts)
—Median applicant income
241Loans originated
93Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 396 | 264 | 3.3% | 8.38% | #135 |
| 2024 | 423 | 244 | 17.0% | 8.00% | #134 |
| 2025 | 442 | 241 | 21.0% | 7.63% | #147 |
What Bpl Mortgage Trust lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Bpl Mortgage Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 55 | 32 | 9 | 16.4% |
| Rockland County | 54 | 38 | 4 | 7.4% |
| Queens County | 36 | 8 | 5 | 13.9% |
| Orange County | 34 | 19 | 6 | 17.6% |
| Sullivan County | 26 | 12 | 7 | 26.9% |
| Kings County | 26 | 15 | 5 | 19.2% |
| Bronx County | 22 | 14 | 1 | 4.5% |
| Rensselaer County | 19 | 12 | 4 | 21.1% |
| Albany County | 16 | 6 | 10 | 62.5% |
| Nassau County | 16 | 7 | 7 | 43.8% |
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: 442 applications in 2025, of which 241 were originated and 93 denied.
21.0% of all applications, or 22.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Bpl Mortgage Trust originated in New York in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Bpl Mortgage Trust'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