Suffolk in New York vs the state
30.4%Denial rate+10.66 pts vs state
35.4%Decision denial rate+11.33 pts vs state
51.6%Origination rate-7.95 pts vs state
5.99%Median rate-0.63 pts vs state
-1.24Rate spread (pts)-1.45 pts vs state
$151kMedian applicant income
1,182Loans originated
696Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,913 | 855 | 39.4% | 6.50% | #38 |
| 2024 | 1,597 | 766 | 35.5% | 6.74% | #44 |
| 2025 | 2,289 | 1,182 | 30.4% | 5.99% | #37 |
What Suffolk lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Suffolk applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 1,985 | 1,043 | 605 | 30.5% |
| Nassau County | 244 | 119 | 67 | 27.5% |
| Queens County | 17 | 4 | 9 | 52.9% |
| Kings County | 13 | 4 | 4 | 30.8% |
| Westchester County | 10 | 5 | 2 | 20.0% |
| New York County | 4 | 0 | 3 | 75.0% |
| Bronx County | 3 | 1 | 2 | 66.7% |
| Erie County | 2 | 1 | 0 | 0.0% |
| Delaware County | 2 | 1 | 1 | 50.0% |
| Sullivan 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: 2,289 applications in 2025, of which 1,182 were originated and 696 denied.
30.4% of all applications, or 35.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Suffolk originated in New York in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Suffolk'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