The Loan Store in New York vs the state
7.8%Denial rate-11.99 pts vs state
9.3%Decision denial rate-14.75 pts vs state
63.4%Origination rate+3.81 pts vs state
7.38%Median rate+0.75 pts vs state
—Rate spread (pts)
$806kMedian applicant income
343Loans originated
42Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 92 | 66 | 6.5% | 7.50% | #275 |
| 2025 | 541 | 343 | 7.8% | 7.38% | #128 |
What The Loan Store lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most The Loan Store applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 126 | 82 | 11 | 8.7% |
| Orange County | 116 | 81 | 7 | 6.0% |
| Rockland County | 103 | 71 | 4 | 3.9% |
| Sullivan County | 36 | 24 | 1 | 2.8% |
| Richmond County | 27 | 17 | 4 | 14.8% |
| Queens County | 23 | 12 | 1 | 4.3% |
| Suffolk County | 21 | 10 | 1 | 4.8% |
| Bronx County | 18 | 7 | 3 | 16.7% |
| Nassau County | 16 | 10 | 4 | 25.0% |
| Westchester County | 12 | 9 | 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: 541 applications in 2025, of which 343 were originated and 42 denied.
7.8% of all applications, or 9.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans The Loan Store originated in New York in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are The Loan Store'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