United Northern Mortgage Bankers in New York vs the state
6.7%Denial rate-13.01 pts vs state
8.5%Decision denial rate-15.57 pts vs state
69.5%Origination rate+9.88 pts vs state
6.62%Median rate0.00 pts vs state
0.26Rate spread (pts)+0.05 pts vs state
$152kMedian applicant income
546Loans originated
53Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 925 | 681 | 4.8% | 6.75% | #86 |
| 2024 | 924 | 691 | 4.7% | 6.75% | #87 |
| 2025 | 786 | 546 | 6.7% | 6.62% | #107 |
What United Northern Mortgage Bankers 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 Northern Mortgage Bankers applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westchester County | 186 | 137 | 14 | 7.5% |
| Bronx County | 121 | 64 | 21 | 17.4% |
| Suffolk County | 117 | 93 | 5 | 4.3% |
| Nassau County | 91 | 71 | 2 | 2.2% |
| Queens County | 75 | 43 | 5 | 6.7% |
| Orange County | 66 | 45 | 2 | 3.0% |
| Dutchess County | 29 | 18 | 3 | 10.3% |
| Rockland County | 25 | 21 | 1 | 4.0% |
| Putnam County | 24 | 20 | 0 | 0.0% |
| Kings County | 19 | 11 | 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: 786 applications in 2025, of which 546 were originated and 53 denied.
6.7% of all applications, or 8.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans United Northern Mortgage Bankers originated in New York in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are United Northern Mortgage Bankers'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