Mid-Island Mortgage in New York vs the state
8.9%Denial rate-10.90 pts vs state
11.7%Decision denial rate-12.32 pts vs state
66.7%Origination rate+7.08 pts vs state
6.50%Median rate-0.13 pts vs state
0.09Rate spread (pts)-0.12 pts vs state
$158kMedian applicant income
256Loans originated
34Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 333 | 218 | 10.2% | 6.63% | #153 |
| 2024 | 397 | 259 | 6.6% | 6.63% | #141 |
| 2025 | 384 | 256 | 8.9% | 6.50% | #155 |
What Mid-Island Mortgage lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Mid-Island Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 136 | 105 | 5 | 3.7% |
| Nassau County | 70 | 52 | 6 | 8.6% |
| Queens County | 43 | 18 | 12 | 27.9% |
| Westchester County | 31 | 18 | 4 | 12.9% |
| Kings County | 16 | 8 | 2 | 12.5% |
| Orange County | 10 | 6 | 0 | 0.0% |
| Ulster County | 7 | 6 | 0 | 0.0% |
| Dutchess County | 6 | 6 | 0 | 0.0% |
| Erie County | 6 | 5 | 0 | 0.0% |
| Onondaga County | 6 | 5 | 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: 384 applications in 2025, of which 256 were originated and 34 denied.
8.9% of all applications, or 11.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Mid-Island Mortgage originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Mid-Island Mortgage'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