Northfield Bank in New York vs the state
38.2%Denial rate+18.43 pts vs state
40.7%Decision denial rate+16.69 pts vs state
50.7%Origination rate-8.88 pts vs state
—Median rate
—Rate spread (pts)
$159kMedian applicant income
178Loans originated
134Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 412 | 140 | 56.6% | — | #130 |
| 2024 | 405 | 138 | 56.1% | — | #138 |
| 2025 | 351 | 178 | 38.2% | — | #165 |
What Northfield 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 Northfield Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richmond County | 237 | 125 | 90 | 38.0% |
| Kings County | 74 | 36 | 28 | 37.8% |
| Queens County | 8 | 3 | 3 | 37.5% |
| Rockland County | 7 | 2 | 4 | 57.1% |
| Westchester County | 7 | 4 | 3 | 42.9% |
| Suffolk County | 6 | 2 | 3 | 50.0% |
| Nassau County | 6 | 2 | 1 | 16.7% |
| New York County | 4 | 3 | 1 | 25.0% |
| Sullivan County | 1 | 0 | 1 | 100.0% |
| Bronx County | 1 | 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: 351 applications in 2025, of which 178 were originated and 134 denied.
38.2% of all applications, or 40.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Northfield 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