NVR Mortgage Finance in New York vs the state
7.7%Denial rate-12.06 pts vs state
8.7%Decision denial rate-15.30 pts vs state
80.3%Origination rate+20.70 pts vs state
6.25%Median rate-0.38 pts vs state
0.06Rate spread (pts)-0.15 pts vs state
$130kMedian applicant income
167Loans originated
16Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 224 | 169 | 6.7% | 5.88% | #184 |
| 2024 | 249 | 198 | 8.0% | 6.31% | #184 |
| 2025 | 208 | 167 | 7.7% | 6.25% | #204 |
What NVR Mortgage Finance lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 69 | 61 | 1 | 1.4% |
| Monroe County | 65 | 51 | 9 | 13.8% |
| Ontario County | 47 | 39 | 1 | 2.1% |
| Niagara County | 21 | 12 | 3 | 14.3% |
| Wayne County | 6 | 4 | 2 | 33.3% |
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: 208 applications in 2025, of which 167 were originated and 16 denied.
7.7% of all applications, or 8.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans NVR Mortgage Finance originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are NVR Mortgage Finance'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