Figure Lending in New York vs the state
33.5%Denial rate+13.74 pts vs state
36.1%Decision denial rate+12.05 pts vs state
42.8%Origination rate-16.78 pts vs state
9.10%Median rate+2.47 pts vs state
2.70Rate spread (pts)+2.49 pts vs state
$141kMedian applicant income
363Loans originated
284Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 105 | 40 | 41.0% | 10.20% | #259 |
| 2025 | 848 | 363 | 33.5% | 9.10% | #103 |
What Figure Lending lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 114 | 49 | 33 | 28.9% |
| Nassau County | 111 | 49 | 42 | 37.8% |
| Westchester County | 80 | 35 | 24 | 30.0% |
| Kings County | 59 | 17 | 22 | 37.3% |
| Queens County | 53 | 22 | 19 | 35.8% |
| Erie County | 50 | 25 | 16 | 32.0% |
| Orange County | 48 | 13 | 22 | 45.8% |
| Rockland County | 37 | 16 | 11 | 29.7% |
| Monroe County | 21 | 18 | 2 | 9.5% |
| Richmond County | 21 | 5 | 12 | 57.1% |
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: 848 applications in 2025, of which 363 were originated and 284 denied.
33.5% of all applications, or 36.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Figure Lending originated in New York in 2025 was 9.10%, against a statewide median of 6.63%.
About this data. Figures are Figure Lending'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