Reliable Holdings Manager dba Lendz Financial in New York vs the state
8.2%Denial rate-11.59 pts vs state
33.3%Decision denial rate+9.29 pts vs state
16.3%Origination rate-43.26 pts vs state
7.06%Median rate+0.43 pts vs state
1.13Rate spread (pts)+0.92 pts vs state
$781kMedian applicant income
8Loans originated
4Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 17 | 12 | 29.4% | 7.88% | #402 |
| 2025 | 49 | 8 | 8.2% | 7.06% | #334 |
What Reliable Holdings Manager dba Lendz Financial lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Reliable Holdings Manager dba Lendz Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Albany County | 10 | 0 | 0 | 0.0% |
| Nassau County | 8 | 1 | 0 | 0.0% |
| Suffolk County | 8 | 1 | 1 | 12.5% |
| Kings County | 6 | 2 | 1 | 16.7% |
| Bronx County | 5 | 1 | 1 | 20.0% |
| Queens County | 4 | 0 | 0 | 0.0% |
| New York County | 3 | 1 | 0 | 0.0% |
| Westchester County | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 0 | 0 | 0.0% |
| Delaware County | 1 | 0 | 1 | 100.0% |
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: 49 applications in 2025, of which 8 were originated and 4 denied.
8.2% of all applications, or 33.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Reliable Holdings Manager dba Lendz Financial originated in New York in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are Reliable Holdings Manager dba Lendz Financial'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