Mlb Residential Lending in New York vs the state
7.6%Denial rate-12.20 pts vs state
8.8%Decision denial rate-15.25 pts vs state
73.6%Origination rate+13.99 pts vs state
6.88%Median rate+0.25 pts vs state
0.89Rate spread (pts)+0.68 pts vs state
$135kMedian applicant income
78Loans originated
8Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 75 | 18.6% | 7.13% | #239 |
| 2024 | 100 | 71 | 15.0% | 7.25% | #264 |
| 2025 | 106 | 78 | 7.6% | 6.88% | #260 |
What Mlb Residential Lending lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Mlb Residential Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 38 | 32 | 0 | 0.0% |
| Richmond County | 13 | 12 | 1 | 7.7% |
| Queens County | 9 | 6 | 1 | 11.1% |
| Kings County | 8 | 4 | 1 | 12.5% |
| Nassau County | 6 | 5 | 0 | 0.0% |
| Dutchess County | 6 | 5 | 0 | 0.0% |
| Westchester County | 3 | 0 | 0 | 0.0% |
| Wayne County | 2 | 2 | 0 | 0.0% |
| Schenectady County | 2 | 1 | 1 | 50.0% |
| Onondaga County | 2 | 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: 106 applications in 2025, of which 78 were originated and 8 denied.
7.6% of all applications, or 8.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Mlb Residential Lending originated in New York in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Mlb Residential Lending'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