Guaranteed Rate Affinity in New York vs the state
4.0%Denial rate-15.72 pts vs state
7.7%Decision denial rate-16.33 pts vs state
48.0%Origination rate-11.61 pts vs state
6.50%Median rate-0.13 pts vs state
0.02Rate spread (pts)-0.19 pts vs state
$261kMedian applicant income
381Loans originated
32Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 605 | 291 | 5.1% | 6.50% | #103 |
| 2024 | 600 | 294 | 4.0% | 6.63% | #107 |
| 2025 | 794 | 381 | 4.0% | 6.50% | #106 |
What Guaranteed Rate Affinity lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 287 | 121 | 11 | 3.8% |
| New York County | 233 | 107 | 11 | 4.7% |
| Queens County | 58 | 20 | 1 | 1.7% |
| Westchester County | 56 | 27 | 3 | 5.4% |
| Suffolk County | 27 | 17 | 1 | 3.7% |
| Bronx County | 24 | 18 | 0 | 0.0% |
| Nassau County | 15 | 10 | 0 | 0.0% |
| Dutchess County | 13 | 7 | 2 | 15.4% |
| Putnam County | 13 | 8 | 1 | 7.7% |
| Orange County | 10 | 7 | 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: 794 applications in 2025, of which 381 were originated and 32 denied.
4.0% of all applications, or 7.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Guaranteed Rate Affinity originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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