First National Bank of America in New York vs the state
12.1%Denial rate-7.61 pts vs state
16.2%Decision denial rate-7.85 pts vs state
62.9%Origination rate+3.27 pts vs state
8.75%Median rate+2.13 pts vs state
2.54Rate spread (pts)+2.33 pts vs state
$160kMedian applicant income
88Loans originated
17Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 188 | 111 | 24.5% | 9.88% | #208 |
| 2024 | 164 | 105 | 14.6% | 9.50% | #215 |
| 2025 | 140 | 88 | 12.1% | 8.75% | #237 |
What First National Bank of America lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 48 | 28 | 5 | 10.4% |
| Nassau County | 23 | 19 | 1 | 4.3% |
| Westchester County | 12 | 8 | 0 | 0.0% |
| Queens County | 8 | 5 | 1 | 12.5% |
| Orange County | 8 | 5 | 2 | 25.0% |
| Onondaga County | 5 | 2 | 1 | 20.0% |
| Putnam County | 5 | 4 | 0 | 0.0% |
| Richmond County | 5 | 2 | 2 | 40.0% |
| Dutchess County | 3 | 2 | 1 | 33.3% |
| Delaware County | 2 | 0 | 1 | 50.0% |
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: 140 applications in 2025, of which 88 were originated and 17 denied.
12.1% of all applications, or 16.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans First National Bank of America originated in New York in 2025 was 8.75%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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