Guidance Residential in New York vs the state
3.4%Denial rate-16.31 pts vs state
4.3%Decision denial rate-19.72 pts vs state
71.6%Origination rate+12.04 pts vs state
6.94%Median rate+0.31 pts vs state
0.44Rate spread (pts)+0.23 pts vs state
$130kMedian applicant income
250Loans originated
12Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 231 | 153 | 6.1% | 7.00% | #181 |
| 2024 | 257 | 155 | 5.8% | 7.00% | #180 |
| 2025 | 349 | 250 | 3.4% | 6.94% | #166 |
What Guidance Residential lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 98 | 67 | 3 | 3.1% |
| Nassau County | 55 | 43 | 1 | 1.8% |
| Suffolk County | 38 | 25 | 1 | 2.6% |
| Queens County | 29 | 21 | 2 | 6.9% |
| Bronx County | 21 | 13 | 1 | 4.8% |
| Richmond County | 17 | 13 | 1 | 5.9% |
| Albany County | 14 | 11 | 1 | 7.1% |
| Broome County | 14 | 11 | 0 | 0.0% |
| Kings County | 13 | 6 | 2 | 15.4% |
| Onondaga County | 11 | 8 | 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: 349 applications in 2025, of which 250 were originated and 12 denied.
3.4% of all applications, or 4.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Guidance Residential originated in New York in 2025 was 6.94%, against a statewide median of 6.63%.
About this data. Figures are Guidance Residential'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