Clearedge Lending in New York vs the state
56.3%Denial rate+36.50 pts vs state
64.3%Decision denial rate+40.25 pts vs state
28.1%Origination rate-31.46 pts vs state
6.88%Median rate+0.25 pts vs state
—Rate spread (pts)
—Median applicant income
9Loans originated
18Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 16.7% | 7.88% | #488 |
| 2025 | 32 | 9 | 56.3% | 6.88% | #371 |
What Clearedge Lending lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Clearedge Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nassau County | 4 | 0 | 2 | 50.0% |
| Jefferson County | 3 | 3 | 0 | 0.0% |
| Suffolk County | 3 | 0 | 2 | 66.7% |
| Albany County | 2 | 0 | 2 | 100.0% |
| Erie County | 2 | 0 | 2 | 100.0% |
| Queens County | 2 | 2 | 0 | 0.0% |
| Sullivan County | 2 | 0 | 2 | 100.0% |
| Westchester County | 2 | 0 | 1 | 50.0% |
| Orange County | 2 | 1 | 1 | 50.0% |
| Kings County | 2 | 0 | 1 | 50.0% |
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: 32 applications in 2025, of which 9 were originated and 18 denied.
56.3% of all applications, or 64.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Clearedge Lending originated in New York in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Clearedge Lending'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