HMDA 2025
Mortgage lenders in New York
Lenders reported 424,108 home-loan applications for properties in New York in 2025; 231,421 became loans and the denial rate on decided applications was 23.9%. The busiest county was Suffolk County with 51,239 applications.
Most active lenders across New York's counties
- JPMorgan Chase Bank, National Association 24,722 applications
- Citizens Bank, National Association 23,646 applications
- Rocket Mortgage, LLC 20,585 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 14,823 applications
- Manufacturers and Traders Trust Company 12,570 applications
- NEWREZ LLC 10,962 applications
- Bank of America, National Association 10,769 applications
- PENNYMAC LOAN SERVICES, LLC 10,238 applications
- TD Bank, National Association 9,719 applications
- Citibank, National Association 9,644 applications
- Bethpage Federal Credit Union 9,348 applications
- ESL Federal Credit Union 7,749 applications
- CROSSCOUNTRY MORTGAGE, INC. 7,696 applications
- Broadview Federal Credit Union 7,124 applications
- HUDSON VALLEY CREDIT UNION 6,514 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Albany County | 9,902 | 222 | 21.6% | 2,741 / 1,208 |
| Allegany County | 919 | 93 | 27.0% | 257 / 119 |
| Bronx County | 9,167 | 252 | 33.2% | 2,311 / 1,178 |
| Broome County | 5,342 | 196 | 23.9% | 1,427 / 597 |
| Cattaraugus County | 1,590 | 124 | 25.0% | 490 / 175 |
| Cayuga County | 2,020 | 139 | 21.8% | 574 / 267 |
| Chautauqua County | 2,795 | 146 | 24.7% | 904 / 329 |
| Chemung County | 2,392 | 126 | 22.0% | 761 / 241 |
| Chenango County | 1,297 | 115 | 27.9% | 328 / 156 |
| Clinton County | 1,615 | 116 | 21.5% | 547 / 177 |
| Columbia County | 2,146 | 172 | 25.7% | 495 / 282 |
| Cortland County | 1,102 | 103 | 23.4% | 334 / 135 |
| Delaware County | 1,272 | 146 | 30.0% | 310 / 157 |
| Dutchess County | 9,136 | 270 | 23.9% | 2,289 / 1,296 |
| Erie County | 26,759 | 299 | 20.6% | 8,211 / 4,333 |
| Essex County | 1,026 | 126 | 23.0% | 308 / 121 |
| Franklin County | 733 | 92 | 24.6% | 218 / 82 |
| Fulton County | 1,679 | 128 | 26.1% | 465 / 215 |
| Genesee County | 1,590 | 117 | 23.5% | 420 / 232 |
| Greene County | 1,890 | 174 | 26.1% | 486 / 226 |
| Hamilton County | 249 | 75 | 24.2% | 80 / 28 |
| Herkimer County | 1,836 | 126 | 25.2% | 457 / 226 |
| Jefferson County | 3,386 | 137 | 20.0% | 1,164 / 382 |
| Kings County | 26,693 | 359 | 27.8% | 7,500 / 3,809 |
| Lewis County | 739 | 81 | 22.9% | 221 / 93 |
| Livingston County | 1,773 | 106 | 18.9% | 428 / 255 |
| Madison County | 2,042 | 130 | 20.3% | 577 / 276 |
| Monroe County | 26,027 | 257 | 18.3% | 6,972 / 3,652 |
| Montgomery County | 1,553 | 132 | 27.5% | 421 / 199 |
| Nassau County | 38,055 | 339 | 27.6% | 9,358 / 5,363 |
| New York County | 13,421 | 295 | 20.1% | 5,420 / 1,536 |
| Niagara County | 6,617 | 178 | 22.0% | 1,861 / 982 |
| Oneida County | 6,436 | 183 | 23.6% | 1,781 / 797 |
| Onondaga County | 14,198 | 257 | 19.5% | 4,198 / 2,036 |
| Ontario County | 3,910 | 160 | 17.1% | 1,046 / 552 |
| Orange County | 13,396 | 286 | 24.5% | 3,513 / 1,996 |
| Orleans County | 1,274 | 102 | 25.4% | 305 / 160 |
| Oswego County | 3,718 | 153 | 20.9% | 1,035 / 556 |
| Otsego County | 1,526 | 133 | 24.4% | 395 / 181 |
| Putnam County | 3,298 | 203 | 21.9% | 929 / 459 |
| Queens County | 29,227 | 334 | 29.0% | 9,263 / 3,127 |
| Rensselaer County | 5,403 | 189 | 21.8% | 1,502 / 690 |
| Richmond County | 10,170 | 249 | 24.6% | 3,193 / 1,238 |
| Rockland County | 9,168 | 259 | 23.4% | 2,579 / 1,369 |
| Saratoga County | 8,532 | 224 | 21.3% | 2,410 / 1,083 |
| Schenectady County | 5,882 | 181 | 24.3% | 1,658 / 692 |
| Schoharie County | 970 | 112 | 26.4% | 259 / 122 |
| Schuyler County | 538 | 82 | 22.1% | 133 / 66 |
| Seneca County | 857 | 102 | 22.6% | 245 / 107 |
| Steuben County | 2,731 | 133 | 18.8% | 790 / 320 |
| St. Lawrence County | 1,627 | 119 | 25.0% | 512 / 192 |
| Suffolk County | 51,239 | 369 | 25.1% | 12,784 / 7,559 |
| Sullivan County | 3,256 | 215 | 26.6% | 829 / 498 |
| Tioga County | 1,394 | 115 | 22.3% | 403 / 173 |
| Tompkins County | 1,738 | 133 | 19.0% | 640 / 192 |
| Ulster County | 5,532 | 224 | 25.4% | 1,423 / 830 |
| Warren County | 2,251 | 155 | 23.2% | 670 / 276 |
| Washington County | 1,956 | 131 | 27.4% | 550 / 229 |
| Wayne County | 3,238 | 132 | 20.4% | 802 / 476 |
| Westchester County | 22,127 | 340 | 22.2% | 6,849 / 2,927 |
| Wyoming County | 1,084 | 91 | 23.9% | 305 / 150 |
| Yates County | 669 | 80 | 15.2% | 194 / 94 |