UIF in New York vs the state
14.8%Denial rate-4.92 pts vs state
19.2%Decision denial rate-4.83 pts vs state
61.2%Origination rate+1.63 pts vs state
6.63%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.13 pts vs state
$96kMedian applicant income
161Loans originated
39Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 212 | 131 | 8.5% | 7.00% | #193 |
| 2024 | 284 | 178 | 14.8% | 6.88% | #169 |
| 2025 | 263 | 161 | 14.8% | 6.63% | #185 |
What UIF lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most UIF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 119 | 77 | 18 | 15.1% |
| Nassau County | 31 | 21 | 1 | 3.2% |
| Queens County | 27 | 13 | 5 | 18.5% |
| Suffolk County | 21 | 10 | 5 | 23.8% |
| Albany County | 14 | 9 | 2 | 14.3% |
| Monroe County | 7 | 2 | 2 | 28.6% |
| Richmond County | 5 | 2 | 1 | 20.0% |
| Oneida County | 5 | 3 | 2 | 40.0% |
| Onondaga County | 5 | 5 | 0 | 0.0% |
| Broome County | 4 | 3 | 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: 263 applications in 2025, of which 161 were originated and 39 denied.
14.8% of all applications, or 19.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans UIF originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are UIF'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