Sierra Pacific Mortgage Company in New York vs the state
7.3%Denial rate-12.48 pts vs state
10.8%Decision denial rate-13.23 pts vs state
60.0%Origination rate+0.41 pts vs state
6.63%Median rate0.00 pts vs state
0.01Rate spread (pts)-0.20 pts vs state
$203kMedian applicant income
33Loans originated
4Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 10 | 27.3% | 6.69% | #392 |
| 2024 | 25 | 10 | 36.0% | 6.99% | #369 |
| 2025 | 55 | 33 | 7.3% | 6.63% | #323 |
What Sierra Pacific Mortgage Company lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 14 | 10 | 0 | 0.0% |
| Rockland County | 12 | 9 | 1 | 8.3% |
| Kings County | 10 | 5 | 2 | 20.0% |
| Queens County | 6 | 2 | 1 | 16.7% |
| Suffolk County | 2 | 2 | 0 | 0.0% |
| Ulster County | 2 | 0 | 0 | 0.0% |
| Sullivan County | 2 | 1 | 0 | 0.0% |
| Westchester County | 2 | 1 | 0 | 0.0% |
| Nassau County | 2 | 1 | 0 | 0.0% |
| Richmond County | 1 | 0 | 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: 55 applications in 2025, of which 33 were originated and 4 denied.
7.3% of all applications, or 10.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Sierra Pacific Mortgage Company originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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