Millenium Home Mortgage in New York vs the state
7.7%Denial rate-12.06 pts vs state
11.1%Decision denial rate-12.93 pts vs state
61.5%Origination rate+1.95 pts vs state
6.44%Median rate-0.19 pts vs state
0.17Rate spread (pts)-0.04 pts vs state
$155kMedian applicant income
8Loans originated
1Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 7 | 0.0% | 7.00% | #481 |
| 2024 | 11 | 7 | 0.0% | 6.75% | #437 |
| 2025 | 13 | 8 | 7.7% | 6.44% | #446 |
What Millenium Home 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 Millenium Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 2 | 0 | 0 | 0.0% |
| Rockland County | 2 | 1 | 0 | 0.0% |
| Bronx County | 2 | 0 | 1 | 50.0% |
| Suffolk County | 2 | 2 | 0 | 0.0% |
| Albany County | 1 | 1 | 0 | 0.0% |
| Richmond County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
| Ulster 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: 13 applications in 2025, of which 8 were originated and 1 denied.
7.7% of all applications, or 11.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Millenium Home Mortgage originated in New York in 2025 was 6.44%, against a statewide median of 6.63%.
About this data. Figures are Millenium Home 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