Citizens Bank in New York vs the state
32.7%Denial rate+12.93 pts vs state
36.9%Decision denial rate+12.88 pts vs state
54.2%Origination rate-5.44 pts vs state
7.97%Median rate+1.34 pts vs state
0.85Rate spread (pts)+0.64 pts vs state
$138kMedian applicant income
11,000Loans originated
6,639Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19,138 | 9,211 | 40.7% | 8.50% | #1 |
| 2024 | 16,559 | 8,689 | 35.0% | 9.15% | #1 |
| 2025 | 20,315 | 11,000 | 32.7% | 7.97% | #1 |
What Citizens 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 Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 2,407 | 1,191 | 921 | 38.3% |
| Erie County | 2,114 | 1,259 | 576 | 27.2% |
| Nassau County | 2,094 | 1,181 | 655 | 31.3% |
| Suffolk County | 2,030 | 1,202 | 605 | 29.8% |
| Queens County | 1,692 | 729 | 760 | 44.9% |
| Westchester County | 1,489 | 898 | 415 | 27.9% |
| Monroe County | 1,169 | 647 | 341 | 29.2% |
| New York County | 1,153 | 698 | 237 | 20.6% |
| Richmond County | 553 | 282 | 211 | 38.2% |
| Orange County | 515 | 279 | 170 | 33.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Crosscountry Mortgage | B | 7,792 | 5.5% | 6.75% |
Frequently asked questions
New York: 20,315 applications in 2025, of which 11,000 were originated and 6,639 denied.
32.7% of all applications, or 36.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Citizens Bank originated in New York in 2025 was 7.97%, against a statewide median of 6.63%.
About this data. Figures are Citizens 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