NBKC Bank in New York vs the state
16.5%Denial rate-3.26 pts vs state
24.8%Decision denial rate+0.76 pts vs state
48.9%Origination rate-10.65 pts vs state
6.50%Median rate-0.13 pts vs state
0.04Rate spread (pts)-0.17 pts vs state
$164kMedian applicant income
92Loans originated
31Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 197 | 97 | 11.2% | 6.50% | #199 |
| 2024 | 216 | 104 | 18.5% | 6.50% | #197 |
| 2025 | 188 | 92 | 16.5% | 6.50% | #212 |
What NBKC Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 22 | 12 | 4 | 18.2% |
| Nassau County | 17 | 6 | 4 | 23.5% |
| Westchester County | 17 | 11 | 1 | 5.9% |
| Queens County | 13 | 5 | 2 | 15.4% |
| Erie County | 12 | 7 | 2 | 16.7% |
| Kings County | 9 | 3 | 0 | 0.0% |
| Monroe County | 9 | 7 | 1 | 11.1% |
| Orange County | 8 | 4 | 1 | 12.5% |
| Chautauqua County | 7 | 2 | 3 | 42.9% |
| Dutchess County | 7 | 2 | 2 | 28.6% |
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: 188 applications in 2025, of which 92 were originated and 31 denied.
16.5% of all applications, or 24.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans NBKC Bank originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are NBKC Bank'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