Fairway Independent Mortgage in New York vs the state
6.7%Denial rate-13.04 pts vs state
8.3%Decision denial rate-15.76 pts vs state
73.9%Origination rate+14.35 pts vs state
6.63%Median rate0.00 pts vs state
0.33Rate spread (pts)+0.12 pts vs state
$140kMedian applicant income
749Loans originated
68Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,632 | 1,248 | 10.3% | 6.75% | #48 |
| 2024 | 1,061 | 814 | 7.8% | 6.75% | #79 |
| 2025 | 1,013 | 749 | 6.7% | 6.63% | #91 |
What Fairway Independent 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 Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nassau County | 190 | 140 | 8 | 4.2% |
| Suffolk County | 184 | 148 | 12 | 6.5% |
| Monroe County | 161 | 147 | 3 | 1.9% |
| Saratoga County | 62 | 42 | 6 | 9.7% |
| Albany County | 56 | 34 | 6 | 10.7% |
| Westchester County | 34 | 31 | 1 | 2.9% |
| Schenectady County | 31 | 17 | 5 | 16.1% |
| Erie County | 29 | 23 | 2 | 6.9% |
| Rensselaer County | 28 | 15 | 2 | 7.1% |
| Queens County | 25 | 10 | 5 | 20.0% |
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: 1,013 applications in 2025, of which 749 were originated and 68 denied.
6.7% of all applications, or 8.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Fairway Independent Mortgage originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Fairway Independent 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