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Kings County, New York · 2025

Mortgage lenders in Kings County, NY: denial rates and top lenders (2025)

365 lenders acted on 24,906 mortgage applications for properties in Kings County in 2025. 21.0% were denied (New York: 19.8%). Median rate on closed loans 6.50%; median loan $605,000; median property value $1,275,000.

25kApplications
21.0%Denial ratestate 19.8%
6.50%Median ratestate 6.63%
$605,000Median loan
$1,275,000Median property value

Largest lenders in Kings County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Citizens Bank C 2,4071,191 38.3%7.15%
2 JPMorgan Chase Bank B 1,9231,195 13.1%6.13%
3 TD Bank D 1,330585 29.5%6.75%
4 Citibank B 1,162618 14.5%6.13%
5 United Shore Financial Services B 1,038662 17.6%6.62%
6 Bank of America F 824288 39.8%5.93%
7 Wells Fargo Bank B 699404 11.7%5.88%
8 Rocket Mortgage C 606360 31.9%6.50%
9 Newrez D 596193 28.0%6.75%
10 Crosscountry Mortgage B 588354 8.2%6.75%
11 Municipal Credit Union D 450138 29.8%6.88%
12 FM Home Loans B 410269 2.0%6.88%
13 Loan Funder F 370160 12.7%9.75%
14 Ice Lender Holdings F 368107 23.4%8.25%
15 U.S. Bank D 331178 22.7%6.00%
16 East West Bank B 329204 15.2%6.75%
17 Bethpage Federal Credit Union C 323115 54.8%6.49%
18 Manufacturers and Traders Trust C 313142 40.3%5.99%
19 Guaranteed Rate Affinity A 287121 3.8%6.50%
20 American Financial Network C 242129 10.7%7.25%
21 A&D Mortgage C 239101 9.6%6.99%
22 Logan Finance C 237107 14.8%7.12%
23 Guaranteed Rate B 215100 6.1%6.63%
24 Ark Mortgage B 207134 0.0%7.25%
25 Nationwide Mortgage Bankers C 206120 4.4%6.75%

Best approval odds in Kings County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Stg Mortgage510.0%
2Ark Mortgage1420.0%
3Bank of Hope1321.5%
4FM Home Loans3272.5%
5Contour Mortgage1152.6%
6Emporium TPO1432.8%
7Cathay Bank1742.9%
8First Central Savings Bank1022.9%
9Amalgamated Bank734.1%
10Citadel Servicing704.3%

What Kings County borrowers applied for

By loan purpose

Home purchase 12,135 49% · 11.9% denied
Refinance 3,629 15% · 23.2% denied
Cash-out refinance 4,255 17% · 20.0% denied
Home improvement 2,687 11% · 46.5% denied
Other / HELOC 2,200 9% · 38.6% denied

By loan type

Conventional 23,702 95% · 21.0% denied
FHA 1,094 4% · 22.2% denied
VA 106 0% · 21.7% denied
USDA / RHS 4 0% · 25.0% denied

Why applications were denied

Debt-to-income ratio 1,972 38%
Collateral 1,156 22%
Credit history 761 15%
Other 571 11%
Incomplete application 335 6%
Unverifiable information 227 4%
Insufficient cash 121 2%
Employment history 40 1%
Mortgage insurance denied 1 0%

Kings County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202321,51611,00324.5%6.56%$535,000
202422,30811,23223.6%6.88%$555,000
202524,90612,90021.0%6.50%$605,000

Frequently asked questions

21.0% of applications in Kings County were denied in 2025, against 19.8% statewide in New York.

Citizens Bank, with 2,407 applications in 2025 and a denial rate of 38.3%.

The median mortgage application in Kings County in 2025 was for $605,000; the median property value on originated loans was $1,275,000.