Home Town Funding in New York vs the state
2.3%Denial rate-17.49 pts vs state
2.4%Decision denial rate-21.65 pts vs state
89.0%Origination rate+29.43 pts vs state
6.75%Median rate+0.13 pts vs state
0.31Rate spread (pts)+0.10 pts vs state
$111kMedian applicant income
1,062Loans originated
27Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,116 | 983 | 3.8% | 6.75% | #70 |
| 2024 | 1,174 | 1,051 | 2.7% | 7.00% | #67 |
| 2025 | 1,193 | 1,062 | 2.3% | 6.75% | #77 |
What Home Town Funding lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Home Town Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 718 | 637 | 14 | 1.9% |
| Ontario County | 163 | 149 | 3 | 1.8% |
| Wayne County | 64 | 57 | 3 | 4.7% |
| Yates County | 50 | 44 | 1 | 2.0% |
| Livingston County | 37 | 36 | 0 | 0.0% |
| Steuben County | 28 | 23 | 2 | 7.1% |
| Orleans County | 22 | 18 | 1 | 4.5% |
| Onondaga County | 19 | 18 | 0 | 0.0% |
| Erie County | 16 | 15 | 0 | 0.0% |
| Genesee County | 12 | 11 | 1 | 8.3% |
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: 1,193 applications in 2025, of which 1,062 were originated and 27 denied.
2.3% of all applications, or 2.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Home Town Funding originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Home Town Funding'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