Mortgage Research Center in New York vs the state
21.7%Denial rate+1.97 pts vs state
29.4%Decision denial rate+5.35 pts vs state
51.5%Origination rate-8.07 pts vs state
6.25%Median rate-0.38 pts vs state
-0.11Rate spread (pts)-0.32 pts vs state
$102kMedian applicant income
849Loans originated
358Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,314 | 728 | 17.4% | 6.75% | #61 |
| 2024 | 1,422 | 735 | 22.2% | 6.63% | #47 |
| 2025 | 1,648 | 849 | 21.7% | 6.25% | #53 |
What Mortgage Research Center 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 Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 147 | 84 | 23 | 15.6% |
| Jefferson County | 137 | 84 | 18 | 13.1% |
| Onondaga County | 89 | 45 | 18 | 20.2% |
| Suffolk County | 87 | 36 | 26 | 29.9% |
| Monroe County | 71 | 37 | 13 | 18.3% |
| Orange County | 54 | 26 | 12 | 22.2% |
| Saratoga County | 46 | 23 | 12 | 26.1% |
| Niagara County | 44 | 21 | 11 | 25.0% |
| Nassau County | 44 | 16 | 10 | 22.7% |
| Oswego County | 43 | 21 | 8 | 18.6% |
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: 1,648 applications in 2025, of which 849 were originated and 358 denied.
21.7% of all applications, or 29.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Mortgage Research Center originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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