Contour Mortgage in New York vs the state
2.3%Denial rate-17.44 pts vs state
3.3%Decision denial rate-20.79 pts vs state
67.0%Origination rate+7.44 pts vs state
6.63%Median rate0.00 pts vs state
0.22Rate spread (pts)+0.01 pts vs state
$160kMedian applicant income
1,919Loans originated
66Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,696 | 1,813 | 3.4% | 6.63% | #28 |
| 2024 | 2,967 | 2,069 | 3.5% | 6.63% | #27 |
| 2025 | 2,863 | 1,919 | 2.3% | 6.63% | #32 |
What Contour Mortgage lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Contour Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 1,218 | 912 | 21 | 1.7% |
| Nassau County | 641 | 429 | 9 | 1.4% |
| Queens County | 290 | 158 | 16 | 5.5% |
| Kings County | 185 | 108 | 3 | 1.6% |
| Richmond County | 109 | 83 | 1 | 0.9% |
| Westchester County | 94 | 53 | 7 | 7.4% |
| Bronx County | 77 | 41 | 2 | 2.6% |
| Orange County | 48 | 30 | 2 | 4.2% |
| Albany County | 29 | 8 | 0 | 0.0% |
| Rockland County | 19 | 15 | 1 | 5.3% |
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: 2,863 applications in 2025, of which 1,919 were originated and 66 denied.
2.3% of all applications, or 3.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Contour Mortgage originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Contour Mortgage'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