Lendingone in New York vs the state
17.8%Denial rate-1.92 pts vs state
68.1%Decision denial rate+44.09 pts vs state
8.3%Origination rate-51.25 pts vs state
9.74%Median rate+3.12 pts vs state
—Rate spread (pts)
—Median applicant income
123Loans originated
263Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 400 | 59 | 66.0% | 8.32% | #134 |
| 2024 | 361 | 110 | 55.4% | 9.37% | #149 |
| 2025 | 1,475 | 123 | 17.8% | 9.74% | #57 |
What Lendingone lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 159 | 15 | 15 | 9.4% |
| Nassau County | 149 | 35 | 10 | 6.7% |
| Kings County | 145 | 3 | 15 | 10.3% |
| Schenectady County | 112 | 5 | 90 | 80.4% |
| Queens County | 101 | 5 | 9 | 8.9% |
| Erie County | 85 | 6 | 14 | 16.5% |
| Onondaga County | 69 | 12 | 18 | 26.1% |
| Westchester County | 65 | 5 | 10 | 15.4% |
| Orange County | 65 | 2 | 11 | 16.9% |
| Monroe County | 56 | 2 | 7 | 12.5% |
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: 1,475 applications in 2025, of which 123 were originated and 263 denied.
17.8% of all applications, or 68.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Lendingone originated in New York in 2025 was 9.74%, against a statewide median of 6.63%.
About this data. Figures are Lendingone'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