New York · HMDA 2025
Mortgage lenders in New York County, NY
295 lenders reported 13,421 home-loan applications in New York County in 2025. 7,521 closed as loans ($18.3B), 1,957 were denied — a 20.1% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 35% of applications, led by JPMorgan Chase Bank, National Association. 22 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 13,421
- Loans originated
- 7,521
- Purchase / refinance
- 5,420 / 1,536
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in New York County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2,061 | 15.4% | 14.1% |
| 2 | Citibank, National Association 60 out of 100, Moderate | 1,413 | 10.5% | 24.0% |
| 3 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1,160 | 8.6% | 22.2% |
| 4 | Citizens Bank, National Association 54 out of 100, Below average | 1,156 | 8.6% | 32.5% |
| 5 | Bank of America, National Association 59 out of 100, Moderate | 637 | 4.7% | 44.7% |
| 6 | TD Bank, National Association 63 out of 100, Moderate | 521 | 3.9% | 35.3% |
| 7 | CROSSCOUNTRY MORTGAGE, INC. | 449 | 3.3% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 432 | 3.2% | 39.5% |
| 9 | Morgan Stanley Private Bank, National Association 61 out of 100, Moderate | 367 | 2.7% | 4.9% |
| 10 | HSBC BANK USA, NATIONAL ASSOCIATION 57 out of 100, Moderate | 342 | 2.5% | 9.5% |
| 11 | Rocket Mortgage, LLC | 310 | 2.3% | — |
| 12 | GUARANTEED RATE, INC. | 293 | 2.2% | — |
| 13 | GUARANTEED RATE AFFINITY, LLC | 233 | 1.7% | — |
| 14 | NATIONAL COOPERATIVE BANK, N.A. 46 out of 100, Below average | 181 | 1.3% | 13.6% |
| 15 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 159 | 1.2% | 32.9% |
| 16 | UBS Bank USA 64 out of 100, Moderate | 158 | 1.2% | 7.7% |
| 17 | Loandepot.Com, LLC | 132 | 1.0% | — |
| 18 | UNITED SHORE FINANCIAL SERVICES, LLC | 132 | 1.0% | — |
| 19 | NEWREZ LLC | 125 | 0.9% | — |
| 20 | Dime Community Bank 64 out of 100, Moderate | 112 | 0.8% | 19.3% |
| 21 | Bethpage Federal Credit Union | 105 | 0.8% | — |
| 22 | United Nations Federal Credit Union 76 out of 100, Strong | 101 | 0.8% | 11.4% |
| 23 | Goldman Sachs Bank USA 58 out of 100, Moderate | 101 | 0.8% | 21.6% |
| 24 | East West Bank 70 out of 100, Strong | 97 | 0.7% | 11.6% |
| 25 | Charles Schwab Bank, SSB 81 out of 100, Strong | 93 | 0.7% | 5.2% |
| 26 | PNC Bank, National Association 62 out of 100, Moderate | 83 | 0.6% | 33.8% |
| 27 | CLIFFCO, INC. | 72 | 0.5% | — |
| 28 | Amalgamated Bank 53 out of 100, Below average | 64 | 0.5% | 3.3% |
| 29 | City National Bank 81 out of 100, Strong | 64 | 0.5% | 17.9% |
| 30 | Ridgewood Savings Bank | 61 | 0.5% | — |
| 31 | Webster Bank, National Association | 61 | 0.5% | — |
| 32 | BETTER MORTGAGE CORPORATION | 55 | 0.4% | — |
| 33 | Municipal Credit Union 68 out of 100, Moderate | 53 | 0.4% | 40.3% |
| 34 | PLAZA HOME MORTGAGE, INC. | 52 | 0.4% | — |
| 35 | ICE LENDER HOLDINGS LLC | 50 | 0.4% | — |
| 36 | Discover Bank | 48 | 0.4% | — |
| 37 | CMG MORTGAGE, INC. | 44 | 0.3% | — |
| 38 | FM Home Loans, LLC | 40 | 0.3% | — |
| 39 | Loan Funder LLC | 33 | 0.2% | — |
| 40 | Raymond James Bank 69 out of 100, Moderate | 33 | 0.2% | 6.2% |
Top 40 of 295 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps
- Rockland County 9,168 apps