Plaza Home Mortgage in New York vs the state
34.2%Denial rate+14.43 pts vs state
36.5%Decision denial rate+12.42 pts vs state
57.5%Origination rate-2.06 pts vs state
6.75%Median rate+0.13 pts vs state
0.50Rate spread (pts)+0.29 pts vs state
$130kMedian applicant income
1,222Loans originated
726Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,025 | 2,036 | 10.4% | 6.63% | #25 |
| 2024 | 2,706 | 1,616 | 28.3% | 6.63% | #29 |
| 2025 | 2,124 | 1,222 | 34.2% | 6.75% | #40 |
What Plaza Home Mortgage lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 205 | 106 | 81 | 39.5% |
| Nassau County | 200 | 104 | 84 | 42.0% |
| Queens County | 180 | 95 | 66 | 36.7% |
| Kings County | 162 | 68 | 79 | 48.8% |
| Erie County | 148 | 99 | 32 | 21.6% |
| Westchester County | 138 | 84 | 38 | 27.5% |
| Orange County | 116 | 66 | 41 | 35.3% |
| Oneida County | 100 | 68 | 29 | 29.0% |
| Richmond County | 91 | 55 | 25 | 27.5% |
| Dutchess County | 60 | 37 | 20 | 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: 2,124 applications in 2025, of which 1,222 were originated and 726 denied.
34.2% of all applications, or 36.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Plaza Home Mortgage originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Plaza Home Mortgage'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