Premium Mortgage in New York vs the state
3.0%Denial rate-16.74 pts vs state
3.3%Decision denial rate-20.74 pts vs state
87.6%Origination rate+28.00 pts vs state
6.63%Median rate0.00 pts vs state
0.23Rate spread (pts)+0.02 pts vs state
$105kMedian applicant income
5,094Loans originated
175Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,200 | 4,587 | 2.4% | 6.75% | #18 |
| 2024 | 5,321 | 4,738 | 2.6% | 6.75% | #17 |
| 2025 | 5,816 | 5,094 | 3.0% | 6.63% | #15 |
What Premium 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 Premium Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 2,093 | 1,916 | 53 | 2.5% |
| Erie County | 1,241 | 1,135 | 21 | 1.7% |
| Niagara County | 326 | 291 | 8 | 2.5% |
| Ontario County | 238 | 214 | 3 | 1.3% |
| Wayne County | 230 | 206 | 13 | 5.7% |
| Onondaga County | 207 | 176 | 7 | 3.4% |
| Albany County | 138 | 96 | 10 | 7.2% |
| Livingston County | 136 | 118 | 3 | 2.2% |
| Oneida County | 130 | 102 | 3 | 2.3% |
| Genesee County | 127 | 100 | 4 | 3.1% |
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: 5,816 applications in 2025, of which 5,094 were originated and 175 denied.
3.0% of all applications, or 3.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Premium Mortgage originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Premium 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