Self Reliance NY at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
44th11.2% deniedPricingmedian rate spread over APOR, weight 30%
92nd-0.25 ptsProcesswithdrawn + incomplete share, weight 15%
66th8.3%Closing coststotal loan costs ÷ loan amount, weight 10%
56th1.78% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 154 | 133 | 4.6% | 5.0% | 5.60% | $111M |
| 2024 | 142 | 122 | 6.3% | 6.9% | 6.18% | $129M |
| 2025 | 518 | 415 | 10.2% | 11.2% | 6.25% | $237M |
What Self Reliance NY lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 151 investment properties.
Why Self Reliance NY denies applications
Primary reason reported for each of the 53 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Self Reliance NY
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 27 | 13 | 51.9% |
| $50k – $100k | 84 | 65 | 17.7% |
| $100k – $150k | 81 | 73 | 5.2% |
| $150k – $250k | 109 | 96 | 5.0% |
| Over $250k | 57 | 51 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 54 | 45 | 6.3% |
| 35–44 | 142 | 111 | 15.9% |
| 45–54 | 86 | 63 | 13.7% |
| 55–64 | 85 | 68 | 15.0% |
| 65–74 | 23 | 16 | 15.8% |
Where Self Reliance NY lends
15 states and 74 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 268 | 211 | 13.1% | 6.38% | #238 |
| New York | 146 | 117 | 7.5% | 6.25% | #235 |
| New Jersey | 59 | 50 | 6.8% | 6.13% | #335 |
| Florida | 19 | 13 | 10.5% | 6.38% | #767 |
| Maryland | 7 | 7 | 0.0% | — | #502 |
| Connecticut | 5 | 5 | 0.0% | 6.28% | #444 |
Frequently asked questions
Self Reliance NY denied 11.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of small mortgage lenders.
The most common reason Self Reliance NY gave in 2025 was "other", cited on 70.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Self Reliance NY originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.25 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 49% of its applications were for home purchases, 26% for refinancing (including cash-out), and 25% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.