Kinecta in New York vs the state
7.3%Denial rate-12.45 pts vs state
9.9%Decision denial rate-14.12 pts vs state
65.2%Origination rate+5.58 pts vs state
6.99%Median rate+0.37 pts vs state
0.71Rate spread (pts)+0.50 pts vs state
$82kMedian applicant income
116Loans originated
13Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 108 | 14.6% | 8.00% | #205 |
| 2024 | 198 | 140 | 6.6% | 7.00% | #205 |
| 2025 | 178 | 116 | 7.3% | 6.99% | #218 |
What Kinecta lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Kinecta applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 137 | 85 | 13 | 9.5% |
| Wayne County | 24 | 18 | 0 | 0.0% |
| Suffolk County | 3 | 3 | 0 | 0.0% |
| Ontario County | 3 | 3 | 0 | 0.0% |
| Livingston County | 2 | 1 | 0 | 0.0% |
| Cayuga County | 1 | 1 | 0 | 0.0% |
| Putnam County | 1 | 0 | 0 | 0.0% |
| Broome County | 1 | 1 | 0 | 0.0% |
| Genesee County | 1 | 0 | 0 | 0.0% |
| Erie County | 1 | 1 | 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: 178 applications in 2025, of which 116 were originated and 13 denied.
7.3% of all applications, or 9.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Kinecta originated in New York in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Kinecta'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