Kiavi Funding in New York vs the state
14.2%Denial rate-5.58 pts vs state
19.1%Decision denial rate-4.93 pts vs state
58.5%Origination rate-1.05 pts vs state
9.95%Median rate+3.32 pts vs state
—Rate spread (pts)
—Median applicant income
442Loans originated
107Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 446 | 218 | 25.3% | 10.95% | #120 |
| 2024 | 547 | 373 | 14.4% | 10.95% | #113 |
| 2025 | 755 | 442 | 14.2% | 9.95% | #110 |
What Kiavi 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 Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Albany County | 83 | 42 | 5 | 6.0% |
| Erie County | 70 | 48 | 13 | 18.6% |
| Suffolk County | 70 | 45 | 9 | 12.9% |
| Orange County | 49 | 34 | 8 | 16.3% |
| Rensselaer County | 44 | 37 | 3 | 6.8% |
| Monroe County | 40 | 9 | 2 | 5.0% |
| Onondaga County | 34 | 26 | 4 | 11.8% |
| Herkimer County | 32 | 6 | 1 | 3.1% |
| Westchester County | 30 | 20 | 3 | 10.0% |
| Nassau County | 29 | 20 | 4 | 13.8% |
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: 755 applications in 2025, of which 442 were originated and 107 denied.
14.2% of all applications, or 19.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Kiavi Funding originated in New York in 2025 was 9.95%, against a statewide median of 6.63%.
About this data. Figures are Kiavi 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