Mortgage Access in New York vs the state
15.2%Denial rate-4.53 pts vs state
18.9%Decision denial rate-5.12 pts vs state
65.2%Origination rate+5.63 pts vs state
6.63%Median rate0.00 pts vs state
0.19Rate spread (pts)-0.02 pts vs state
$138kMedian applicant income
30Loans originated
7Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 46 | 5.1% | 6.69% | #282 |
| 2024 | 50 | 33 | 6.0% | 6.63% | #323 |
| 2025 | 46 | 30 | 15.2% | 6.63% | #340 |
What Mortgage Access lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockland County | 16 | 12 | 0 | 0.0% |
| Orange County | 8 | 5 | 3 | 37.5% |
| Westchester County | 5 | 3 | 1 | 20.0% |
| Onondaga County | 4 | 4 | 0 | 0.0% |
| Putnam County | 3 | 3 | 0 | 0.0% |
| Bronx County | 2 | 1 | 1 | 50.0% |
| Dutchess County | 2 | 1 | 0 | 0.0% |
| Clinton County | 1 | 0 | 0 | 0.0% |
| Ulster County | 1 | 1 | 0 | 0.0% |
| Suffolk County | 1 | 0 | 1 | 100.0% |
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: 46 applications in 2025, of which 30 were originated and 7 denied.
15.2% of all applications, or 18.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Mortgage Access originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Access'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