Self Reliance NY in New York vs the state
7.5%Denial rate-12.22 pts vs state
8.6%Decision denial rate-15.45 pts vs state
80.1%Origination rate+20.55 pts vs state
6.25%Median rate-0.38 pts vs state
-0.25Rate spread (pts)-0.46 pts vs state
$192kMedian applicant income
117Loans originated
11Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 98 | 3.6% | 5.60% | #257 |
| 2024 | 99 | 85 | 5.1% | 6.18% | #265 |
| 2025 | 146 | 117 | 7.5% | 6.25% | #235 |
What Self Reliance NY lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Self Reliance NY applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bronx County | 52 | 41 | 5 | 9.6% |
| Queens County | 26 | 22 | 2 | 7.7% |
| Kings County | 22 | 19 | 2 | 9.1% |
| Westchester County | 12 | 9 | 1 | 8.3% |
| Nassau County | 8 | 5 | 0 | 0.0% |
| Suffolk County | 7 | 5 | 0 | 0.0% |
| New York County | 5 | 5 | 0 | 0.0% |
| Richmond County | 4 | 4 | 0 | 0.0% |
| Dutchess County | 3 | 2 | 0 | 0.0% |
| Putnam County | 1 | 1 | 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: 146 applications in 2025, of which 117 were originated and 11 denied.
7.5% of all applications, or 8.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Self Reliance NY originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Self Reliance NY'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