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Suffolk County, New York · 2025

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

374 lenders acted on 45,414 mortgage applications for properties in Suffolk County in 2025. 20.3% were denied (New York: 19.8%). Median rate on closed loans 6.63%; median loan $365,000; median property value $695,000.

45kApplications
20.3%Denial ratestate 19.8%
6.63%Median ratestate 6.63%
$365,000Median loan
$695,000Median property value

Largest lenders in Suffolk County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Bethpage Federal Credit Union C 3,8561,752 44.6%6.49%
2 Teachers Federal Credit Union D 2,4421,456 11.6%6.99%
3 Rocket Mortgage C 2,3491,733 17.5%6.99%
4 United Shore Financial Services B 2,1321,712 9.0%6.38%
5 Citizens Bank C 2,0301,202 29.8%7.90%
6 Suffolk C 1,9851,043 30.5%5.99%
7 JPMorgan Chase Bank B 1,7021,100 10.1%6.38%
8 Bank of America F 1,492563 35.3%5.99%
9 TD Bank D 1,412675 30.6%7.69%
10 Newrez D 1,253404 25.7%6.75%
11 Contour Mortgage B 1,218912 1.7%6.63%
12 Nassau Educators Federal Credit Union B 1,159590 40.9%5.99%
13 Nationwide Mortgage Bankers C 1,142890 2.2%6.75%
14 Manufacturers and Traders Trust C 1,099552 39.9%5.99%
15 Crosscountry Mortgage B 959694 5.7%6.75%
16 Citibank B 904415 18.5%6.38%
17 Discover Bank F 68597 55.5%8.58%
18 Island Federal Credit Union D 665377 23.8%7.10%
19 Loan Funder F 651492 4.2%10.25%
20 CMG Mortgage A 589406 5.8%6.50%
21 Pennymac Loan Services C 548300 13.9%6.50%
22 United Mortgage C 521402 3.5%6.63%
23 Broker Solutions D 510267 4.3%6.75%
24 Wells Fargo Bank B 492276 12.6%6.00%
25 Loandepot.Com D 435297 19.5%6.88%

Best approval odds in Suffolk County

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

#LenderDecidedDecision denial rate
1Movement Mortgage761.3%
2American Neighborhood Mortgage Acceptance Company2981.3%
3Continental Mortgage Bankers741.4%
4Embrace Home Loans1321.5%
5Citadel Servicing1071.9%
6Contour Mortgage9502.2%
7Nationwide Mortgage Bankers1,0102.5%
8Reliance First Capital1182.5%
9Interstate Home Loan Center2852.8%
101st Priority Mortgage663.0%

What Suffolk County borrowers applied for

By loan purpose

Home purchase 17,525 39% · 8.3% denied
Refinance 6,081 13% · 20.6% denied
Cash-out refinance 7,971 18% · 17.5% denied
Home improvement 6,973 15% · 38.9% denied
Other / HELOC 6,864 15% · 35.2% denied

By loan type

Conventional 40,086 88% · 21.2% denied
FHA 4,448 10% · 15.0% denied
VA 821 2% · 9.7% denied
USDA / RHS 59 0% · 17.0% denied

Why applications were denied

Debt-to-income ratio 4,048 44%
Credit history 2,249 24%
Collateral 1,100 12%
Other 718 8%
Incomplete application 615 7%
Unverifiable information 285 3%
Insufficient cash 135 1%
Employment history 58 1%
Mortgage insurance denied 1 0%

Suffolk County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202339,07621,92223.5%6.88%$305,000
202441,39423,79622.5%6.99%$325,000
202545,41426,41320.3%6.63%$365,000

Frequently asked questions

20.3% of applications in Suffolk County were denied in 2025, against 19.8% statewide in New York.

Bethpage Federal Credit Union, with 3,856 applications in 2025 and a denial rate of 44.6%.

The median mortgage application in Suffolk County in 2025 was for $365,000; the median property value on originated loans was $695,000.