TD Bank in New York vs the state
30.2%Denial rate+10.47 pts vs state
38.9%Decision denial rate+14.87 pts vs state
46.8%Origination rate-12.79 pts vs state
7.69%Median rate+1.07 pts vs state
0.45Rate spread (pts)+0.24 pts vs state
$176kMedian applicant income
4,324Loans originated
2,792Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,786 | 4,669 | 33.6% | 7.84% | #9 |
| 2024 | 9,705 | 4,530 | 32.5% | 8.59% | #9 |
| 2025 | 9,239 | 4,324 | 30.2% | 7.69% | #8 |
What TD Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most TD Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nassau County | 1,498 | 762 | 452 | 30.2% |
| Suffolk County | 1,412 | 675 | 432 | 30.6% |
| Kings County | 1,330 | 585 | 392 | 29.5% |
| Queens County | 1,324 | 504 | 473 | 35.7% |
| Westchester County | 809 | 438 | 211 | 26.1% |
| Richmond County | 531 | 258 | 164 | 30.9% |
| New York County | 519 | 266 | 105 | 20.2% |
| Rockland County | 339 | 175 | 93 | 27.4% |
| Bronx County | 319 | 88 | 146 | 45.8% |
| Orange County | 260 | 120 | 81 | 31.2% |
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% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
| Crosscountry Mortgage | B | 7,792 | 5.5% | 6.75% |
Frequently asked questions
New York: 9,239 applications in 2025, of which 4,324 were originated and 2,792 denied.
30.2% of all applications, or 38.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans TD Bank originated in New York in 2025 was 7.69%, against a statewide median of 6.63%.
About this data. Figures are TD Bank'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