RPE Home in New York vs the state
12.5%Denial rate-7.25 pts vs state
18.0%Decision denial rate-6.09 pts vs state
57.1%Origination rate-2.45 pts vs state
11.43%Median rate+4.80 pts vs state
—Rate spread (pts)
—Median applicant income
32Loans originated
7Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 371 | 25 | 35.3% | 12.00% | #146 |
| 2025 | 56 | 32 | 12.5% | 11.43% | #322 |
What RPE Home lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most RPE Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 8 | 4 | 1 | 12.5% |
| Suffolk County | 5 | 5 | 0 | 0.0% |
| Schenectady County | 5 | 4 | 0 | 0.0% |
| Dutchess County | 4 | 3 | 0 | 0.0% |
| Rensselaer County | 4 | 1 | 0 | 0.0% |
| Monroe County | 3 | 2 | 0 | 0.0% |
| Columbia County | 3 | 3 | 0 | 0.0% |
| Nassau County | 2 | 0 | 1 | 50.0% |
| Sullivan County | 2 | 2 | 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: 56 applications in 2025, of which 32 were originated and 7 denied.
12.5% of all applications, or 18.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans RPE Home originated in New York in 2025 was 11.43%, against a statewide median of 6.63%.
About this data. Figures are RPE Home'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