United Mortgage in New York vs the state
5.3%Denial rate-14.47 pts vs state
5.9%Decision denial rate-18.13 pts vs state
69.1%Origination rate+9.54 pts vs state
6.63%Median rate0.00 pts vs state
0.54Rate spread (pts)+0.33 pts vs state
$157kMedian applicant income
956Loans originated
73Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,273 | 741 | 4.7% | 6.88% | #62 |
| 2024 | 1,304 | 863 | 3.9% | 6.88% | #54 |
| 2025 | 1,383 | 956 | 5.3% | 6.63% | #60 |
What United Mortgage lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 521 | 402 | 18 | 3.5% |
| Nassau County | 315 | 213 | 17 | 5.4% |
| Queens County | 228 | 146 | 17 | 7.5% |
| Kings County | 101 | 59 | 7 | 6.9% |
| Bronx County | 53 | 30 | 3 | 5.7% |
| Westchester County | 43 | 26 | 3 | 7.0% |
| Richmond County | 28 | 18 | 2 | 7.1% |
| Broome County | 14 | 8 | 0 | 0.0% |
| Dutchess County | 10 | 7 | 3 | 30.0% |
| New York County | 10 | 7 | 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: 1,383 applications in 2025, of which 956 were originated and 73 denied.
5.3% of all applications, or 5.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans United Mortgage originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are United Mortgage'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