Royal United Mortgage in New York vs the state
24.6%Denial rate+4.89 pts vs state
29.1%Decision denial rate+5.05 pts vs state
58.0%Origination rate-1.56 pts vs state
6.75%Median rate+0.13 pts vs state
1.03Rate spread (pts)+0.82 pts vs state
$60kMedian applicant income
318Loans originated
135Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 429 | 234 | 29.6% | 7.13% | #127 |
| 2024 | 427 | 243 | 31.4% | 7.13% | #133 |
| 2025 | 548 | 318 | 24.6% | 6.75% | #126 |
What Royal United 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 Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 58 | 38 | 11 | 19.0% |
| Suffolk County | 43 | 23 | 11 | 25.6% |
| Monroe County | 36 | 20 | 8 | 22.2% |
| Onondaga County | 29 | 18 | 8 | 27.6% |
| Nassau County | 27 | 14 | 8 | 29.6% |
| Niagara County | 24 | 14 | 5 | 20.8% |
| Oneida County | 17 | 11 | 3 | 17.6% |
| Dutchess County | 15 | 8 | 2 | 13.3% |
| St. Lawrence County | 15 | 9 | 4 | 26.7% |
| Chautauqua County | 14 | 8 | 2 | 14.3% |
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: 548 applications in 2025, of which 318 were originated and 135 denied.
24.6% of all applications, or 29.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Royal United Mortgage originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Royal United 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