Equity Prime Mortgage in New York vs the state
14.4%Denial rate-5.40 pts vs state
25.8%Decision denial rate+1.79 pts vs state
41.2%Origination rate-18.39 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.19 pts vs state
$125kMedian applicant income
89Loans originated
31Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 55 | 5.1% | 6.88% | #280 |
| 2024 | 244 | 183 | 1.2% | 6.50% | #187 |
| 2025 | 216 | 89 | 14.4% | 6.63% | #199 |
What Equity Prime 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 Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nassau County | 20 | 6 | 0 | 0.0% |
| Westchester County | 20 | 14 | 2 | 10.0% |
| Suffolk County | 17 | 6 | 3 | 17.6% |
| Kings County | 14 | 6 | 3 | 21.4% |
| Queens County | 13 | 5 | 0 | 0.0% |
| Richmond County | 10 | 1 | 5 | 50.0% |
| Dutchess County | 9 | 7 | 1 | 11.1% |
| Orange County | 9 | 5 | 1 | 11.1% |
| Rensselaer County | 8 | 3 | 1 | 12.5% |
| Bronx County | 8 | 3 | 0 | 0.0% |
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: 216 applications in 2025, of which 89 were originated and 31 denied.
14.4% of all applications, or 25.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Equity Prime Mortgage originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Equity Prime 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