Everett Financial in New York vs the state
6.8%Denial rate-12.91 pts vs state
8.7%Decision denial rate-15.30 pts vs state
71.0%Origination rate+11.45 pts vs state
6.63%Median rate0.00 pts vs state
0.50Rate spread (pts)+0.29 pts vs state
$93kMedian applicant income
748Loans originated
72Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 343 | 161 | 12.8% | 7.06% | #149 |
| 2024 | 846 | 711 | 5.3% | 6.63% | #93 |
| 2025 | 1,053 | 748 | 6.8% | 6.63% | #87 |
What Everett Financial lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onondaga County | 227 | 180 | 11 | 4.8% |
| Erie County | 139 | 80 | 11 | 7.9% |
| Broome County | 77 | 60 | 8 | 10.4% |
| Cortland County | 71 | 58 | 2 | 2.8% |
| Chemung County | 70 | 58 | 4 | 5.7% |
| Steuben County | 56 | 50 | 2 | 3.6% |
| Niagara County | 55 | 35 | 3 | 5.5% |
| Cattaraugus County | 49 | 35 | 5 | 10.2% |
| Oswego County | 46 | 41 | 0 | 0.0% |
| Madison County | 27 | 24 | 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: 1,053 applications in 2025, of which 748 were originated and 72 denied.
6.8% of all applications, or 8.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Everett Financial originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Everett Financial'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