FlexPoint in New York vs the state
13.3%Denial rate-6.42 pts vs state
23.5%Decision denial rate-0.51 pts vs state
36.7%Origination rate-22.92 pts vs state
7.00%Median rate+0.38 pts vs state
—Rate spread (pts)
$1,209kMedian applicant income
11Loans originated
4Denied
What FlexPoint lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most FlexPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Queens County | 8 | 2 | 2 | 25.0% |
| Erie County | 4 | 2 | 0 | 0.0% |
| Kings County | 3 | 0 | 1 | 33.3% |
| Albany County | 3 | 2 | 0 | 0.0% |
| Nassau County | 3 | 2 | 0 | 0.0% |
| Suffolk County | 2 | 1 | 0 | 0.0% |
| Greene County | 1 | 0 | 0 | 0.0% |
| New York County | 1 | 0 | 1 | 100.0% |
| Richmond County | 1 | 0 | 0 | 0.0% |
| Rensselaer County | 1 | 0 | 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: 30 applications in 2025, of which 11 were originated and 4 denied.
13.3% of all applications, or 23.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans FlexPoint originated in New York in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are FlexPoint'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