Total Mortgage Services in New York vs the state
5.0%Denial rate-14.73 pts vs state
6.4%Decision denial rate-17.64 pts vs state
71.4%Origination rate+11.84 pts vs state
6.88%Median rate+0.25 pts vs state
0.67Rate spread (pts)+0.46 pts vs state
$155kMedian applicant income
185Loans originated
13Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 115 | 10.4% | 6.99% | #206 |
| 2024 | 204 | 133 | 8.8% | 6.99% | #202 |
| 2025 | 259 | 185 | 5.0% | 6.88% | #188 |
What Total Mortgage Services lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westchester County | 52 | 39 | 0 | 0.0% |
| Dutchess County | 47 | 43 | 0 | 0.0% |
| Putnam County | 19 | 15 | 1 | 5.3% |
| Orange County | 18 | 13 | 1 | 5.6% |
| Suffolk County | 16 | 10 | 3 | 18.8% |
| Kings County | 11 | 3 | 2 | 18.2% |
| Queens County | 11 | 6 | 1 | 9.1% |
| Nassau County | 11 | 7 | 0 | 0.0% |
| Erie County | 9 | 8 | 0 | 0.0% |
| Ulster County | 8 | 6 | 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: 259 applications in 2025, of which 185 were originated and 13 denied.
5.0% of all applications, or 6.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Total Mortgage Services originated in New York in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Total Mortgage Services'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