Investor Mortgage Finance in New York vs the state
20.3%Denial rate+0.57 pts vs state
27.2%Decision denial rate+3.20 pts vs state
54.3%Origination rate-5.31 pts vs state
7.46%Median rate+0.84 pts vs state
—Rate spread (pts)
—Median applicant income
203Loans originated
76Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 365 | 214 | 11.0% | 7.65% | #147 |
| 2025 | 374 | 203 | 20.3% | 7.46% | #159 |
What Investor Mortgage Finance lends in New York
By loan purpose
By loan type
Why it denied New York applicants
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: 374 applications in 2025, of which 203 were originated and 76 denied.
20.3% of all applications, or 27.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Investor Mortgage Finance originated in New York in 2025 was 7.46%, against a statewide median of 6.63%.
About this data. Figures are Investor Mortgage Finance'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