U.S. Bank in New York vs the state
29.4%Denial rate+9.69 pts vs state
36.2%Decision denial rate+12.20 pts vs state
49.9%Origination rate-9.65 pts vs state
6.25%Median rate-0.38 pts vs state
-0.16Rate spread (pts)-0.37 pts vs state
$232kMedian applicant income
1,313Loans originated
774Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,601 | 1,201 | 35.4% | 6.50% | #29 |
| 2024 | 2,663 | 1,309 | 33.6% | 6.50% | #30 |
| 2025 | 2,629 | 1,313 | 29.4% | 6.25% | #34 |
What U.S. Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New York County | 421 | 253 | 59 | 14.0% |
| Suffolk County | 356 | 180 | 112 | 31.5% |
| Westchester County | 342 | 230 | 50 | 14.6% |
| Kings County | 331 | 178 | 75 | 22.7% |
| Nassau County | 273 | 123 | 87 | 31.9% |
| Queens County | 174 | 53 | 85 | 48.9% |
| Erie County | 70 | 29 | 27 | 38.6% |
| Richmond County | 66 | 28 | 30 | 45.5% |
| Monroe County | 65 | 20 | 31 | 47.7% |
| Rockland County | 51 | 30 | 15 | 29.4% |
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: 2,629 applications in 2025, of which 1,313 were originated and 774 denied.
29.4% of all applications, or 36.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans U.S. Bank originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are U.S. Bank'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