NJ Lenders in New York vs the state
7.3%Denial rate-12.41 pts vs state
8.9%Decision denial rate-15.12 pts vs state
69.5%Origination rate+9.91 pts vs state
6.63%Median rate0.00 pts vs state
0.01Rate spread (pts)-0.20 pts vs state
$168kMedian applicant income
180Loans originated
19Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 454 | 347 | 9.0% | 6.63% | #119 |
| 2024 | 494 | 367 | 4.9% | 6.63% | #119 |
| 2025 | 259 | 180 | 7.3% | 6.63% | #187 |
What NJ Lenders lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most NJ Lenders applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 83 | 53 | 4 | 4.8% |
| Queens County | 34 | 29 | 2 | 5.9% |
| Kings County | 28 | 21 | 3 | 10.7% |
| Nassau County | 27 | 20 | 3 | 11.1% |
| Westchester County | 19 | 13 | 1 | 5.3% |
| New York County | 17 | 11 | 1 | 5.9% |
| Orange County | 14 | 9 | 0 | 0.0% |
| Rockland County | 6 | 5 | 1 | 16.7% |
| Bronx County | 6 | 4 | 0 | 0.0% |
| Richmond County | 5 | 2 | 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: 259 applications in 2025, of which 180 were originated and 19 denied.
7.3% of all applications, or 8.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans NJ Lenders originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are NJ Lenders'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