Prosperity Home Mortgage in New York vs the state
6.3%Denial rate-13.42 pts vs state
7.8%Decision denial rate-16.26 pts vs state
75.0%Origination rate+15.41 pts vs state
6.75%Median rate+0.13 pts vs state
0.27Rate spread (pts)+0.06 pts vs state
$188kMedian applicant income
237Loans originated
20Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 138 | 98 | 8.0% | 7.00% | #232 |
| 2024 | 242 | 168 | 6.2% | 6.88% | #188 |
| 2025 | 316 | 237 | 6.3% | 6.75% | #174 |
What Prosperity 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 Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westchester County | 168 | 122 | 8 | 4.8% |
| Dutchess County | 62 | 52 | 4 | 6.5% |
| Putnam County | 35 | 30 | 2 | 5.7% |
| Ulster County | 12 | 10 | 1 | 8.3% |
| Orange County | 9 | 6 | 1 | 11.1% |
| Rockland County | 6 | 4 | 2 | 33.3% |
| New York County | 5 | 3 | 0 | 0.0% |
| Suffolk County | 3 | 1 | 1 | 33.3% |
| Greene County | 2 | 1 | 0 | 0.0% |
| Oswego County | 2 | 2 | 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: 316 applications in 2025, of which 237 were originated and 20 denied.
6.3% of all applications, or 7.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Prosperity Home Mortgage originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Prosperity 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