Digital in New York vs the state
22.9%Denial rate+3.11 pts vs state
34.8%Decision denial rate+10.74 pts vs state
42.9%Origination rate-16.73 pts vs state
7.99%Median rate+1.37 pts vs state
0.74Rate spread (pts)+0.53 pts vs state
$158kMedian applicant income
45Loans originated
24Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 36 | 31.6% | 6.13% | #252 |
| 2024 | 120 | 26 | 43.3% | 7.74% | #243 |
| 2025 | 105 | 45 | 22.9% | 7.99% | #261 |
What Digital lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nassau County | 18 | 7 | 4 | 22.2% |
| Suffolk County | 15 | 6 | 4 | 26.7% |
| Queens County | 10 | 3 | 5 | 50.0% |
| Westchester County | 8 | 5 | 1 | 12.5% |
| Kings County | 7 | 3 | 1 | 14.3% |
| Erie County | 6 | 1 | 1 | 16.7% |
| Saratoga County | 5 | 3 | 0 | 0.0% |
| Broome County | 5 | 2 | 1 | 20.0% |
| Rockland County | 4 | 2 | 1 | 25.0% |
| Richmond County | 3 | 1 | 2 | 66.7% |
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: 105 applications in 2025, of which 45 were originated and 24 denied.
22.9% of all applications, or 34.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Digital originated in New York in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are Digital'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