US Mortgage in New York vs the state
7.5%Denial rate-12.21 pts vs state
9.3%Decision denial rate-14.75 pts vs state
73.4%Origination rate+13.78 pts vs state
6.63%Median rate0.00 pts vs state
0.47Rate spread (pts)+0.26 pts vs state
$140kMedian applicant income
292Loans originated
30Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 543 | 309 | 9.9% | 6.75% | #108 |
| 2024 | 446 | 277 | 8.7% | 6.88% | #128 |
| 2025 | 398 | 292 | 7.5% | 6.63% | #153 |
What US 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 US Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 88 | 65 | 6 | 6.8% |
| Nassau County | 67 | 52 | 5 | 7.5% |
| Richmond County | 51 | 41 | 1 | 2.0% |
| Schenectady County | 36 | 24 | 1 | 2.8% |
| Westchester County | 22 | 16 | 3 | 13.6% |
| Queens County | 21 | 14 | 3 | 14.3% |
| Albany County | 19 | 14 | 3 | 15.8% |
| Rensselaer County | 15 | 13 | 0 | 0.0% |
| Saratoga County | 14 | 11 | 0 | 0.0% |
| Fulton County | 10 | 5 | 1 | 10.0% |
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: 398 applications in 2025, of which 292 were originated and 30 denied.
7.5% of all applications, or 9.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans US Mortgage originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are US 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