Rocket Mortgage in New York vs the state
22.0%Denial rate+2.26 pts vs state
23.7%Decision denial rate-0.34 pts vs state
68.9%Origination rate+9.32 pts vs state
6.88%Median rate+0.25 pts vs state
0.75Rate spread (pts)+0.54 pts vs state
$114kMedian applicant income
13,729Loans originated
4,386Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13,219 | 8,956 | 21.5% | 6.75% | #2 |
| 2024 | 15,744 | 11,366 | 19.4% | 6.88% | #2 |
| 2025 | 19,924 | 13,729 | 22.0% | 6.88% | #2 |
What Rocket 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 Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 2,349 | 1,733 | 411 | 17.5% |
| Nassau County | 1,554 | 1,138 | 272 | 17.5% |
| Erie County | 1,552 | 1,156 | 283 | 18.2% |
| Westchester County | 1,159 | 815 | 230 | 19.8% |
| Queens County | 1,087 | 706 | 285 | 26.2% |
| Monroe County | 925 | 646 | 211 | 22.8% |
| Orange County | 801 | 559 | 170 | 21.2% |
| Onondaga County | 690 | 493 | 139 | 20.1% |
| Kings County | 606 | 360 | 193 | 31.8% |
| Dutchess County | 543 | 383 | 113 | 20.8% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| 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% |
| Crosscountry Mortgage | B | 7,792 | 5.5% | 6.75% |
Frequently asked questions
New York: 19,924 applications in 2025, of which 13,729 were originated and 4,386 denied.
22.0% of all applications, or 23.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Rocket Mortgage originated in New York in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Rocket 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