United Shore Financial Services in New York vs the state
11.2%Denial rate-8.54 pts vs state
12.7%Decision denial rate-11.31 pts vs state
75.5%Origination rate+15.92 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.07 pts vs state
$136kMedian applicant income
11,158Loans originated
1,657Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12,817 | 9,558 | 12.2% | 6.50% | #3 |
| 2024 | 14,594 | 10,994 | 11.9% | 6.63% | #3 |
| 2025 | 14,777 | 11,158 | 11.2% | 6.50% | #3 |
What United Shore Financial 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 United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 2,132 | 1,712 | 191 | 9.0% |
| Queens County | 1,917 | 1,299 | 272 | 14.2% |
| Erie County | 1,880 | 1,637 | 131 | 7.0% |
| Nassau County | 1,552 | 1,177 | 153 | 9.9% |
| Kings County | 1,038 | 662 | 183 | 17.6% |
| Westchester County | 851 | 645 | 83 | 9.8% |
| Richmond County | 629 | 442 | 77 | 12.2% |
| Orange County | 578 | 452 | 68 | 11.8% |
| Rockland County | 513 | 364 | 80 | 15.6% |
| Niagara County | 359 | 310 | 26 | 7.2% |
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% |
| 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% |
| Crosscountry Mortgage | B | 7,792 | 5.5% | 6.75% |
Frequently asked questions
New York: 14,777 applications in 2025, of which 11,158 were originated and 1,657 denied.
11.2% of all applications, or 12.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans United Shore Financial Services originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial 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