Primelending, a Plainscapital in New York vs the state
5.1%Denial rate-14.67 pts vs state
5.7%Decision denial rate-18.34 pts vs state
77.3%Origination rate+17.72 pts vs state
6.75%Median rate+0.13 pts vs state
0.43Rate spread (pts)+0.22 pts vs state
$106kMedian applicant income
1,278Loans originated
84Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,857 | 1,441 | 6.5% | 6.75% | #42 |
| 2024 | 1,757 | 1,387 | 5.7% | 6.88% | #42 |
| 2025 | 1,653 | 1,278 | 5.1% | 6.75% | #52 |
What Primelending, a Plainscapital lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Primelending, a Plainscapital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 523 | 429 | 14 | 2.7% |
| Dutchess County | 136 | 98 | 7 | 5.1% |
| Orange County | 116 | 88 | 7 | 6.0% |
| Onondaga County | 94 | 65 | 9 | 9.6% |
| Ontario County | 76 | 63 | 2 | 2.6% |
| Wayne County | 76 | 63 | 2 | 2.6% |
| Ulster County | 73 | 51 | 6 | 8.2% |
| Livingston County | 50 | 40 | 1 | 2.0% |
| Steuben County | 39 | 29 | 1 | 2.6% |
| Oswego County | 38 | 29 | 4 | 10.5% |
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: 1,653 applications in 2025, of which 1,278 were originated and 84 denied.
5.1% of all applications, or 5.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Primelending, a Plainscapital originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Primelending, a Plainscapital'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