Mortgage lending in New York County, New York
Lenders in New York County, New York reported 13,099 mortgage applications for 2025, according to the CFPB.
13,099 mortgage applications and 7,521 loans originated in 2025; the denial rate was 20.1% of 9,752 applications decided. The median loan was about $755,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: New York, NY HUD Metro FMR Area.
- 13,099
- Applications
- 7,521
- Loans originated
- 20.1%
- Denial rate
- 1,957 denied of 9,752 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,099 | 7,521 |
| 2024 | 11,321 | 6,375 |
| 2023 | 11,606 | 6,814 |
| 2022 | 23,060 | 15,511 |
| 2021 | 35,300 | 23,500 |
| 2020 | 28,874 | 16,688 |
| 2019 | 24,115 | 14,882 |
| 2018 | 20,103 | 12,307 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| JPMorgan Chase Bank, NA | 1,241 | 1,935 |
| Citibank, NA | 823 | 1,371 |
| Citizens Bank, NA | 698 | 1,153 |
| Wells Fargo Bank NA | 665 | 1,157 |
| Bank of America NA | 325 | 621 |
| Crosscountry Mortgage, LLC | 292 | 449 |
| TD Bank | 266 | 519 |
| Morgan Stanley Private Bank NA | 259 | 367 |
| US Bank, N.A. | 253 | 421 |
| HSBC Bank USA, NA | 192 | 342 |
| Rocket Mortgage | 146 | 280 |
| National Cooperative Bank, N.A. | 135 | 181 |
| Ubs Bank USA | 110 | 158 |
| Guaranteed Rate Affinity, LLC | 107 | 233 |
| M&T Bank | 94 | 159 |
| GuardHill Financial LLC | 92 | 138 |
| Guaranteed Rate, Inc. | 87 | 210 |
| loanDepot.com LLC | 85 | 131 |
| United Nations Federal Cu | 78 | 99 |
| Charles Schwab Bank, SSB | 72 | 80 |
| United Wholesale Mortgage | 63 | 132 |
| Dime Community Bank | 63 | 110 |
| East West Bank | 57 | 97 |
| Amalgamated Bank | 54 | 64 |
| Goldman Sachs Bank USA | 42 | 101 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 24 | no rate: base under 50 |
| Asian | 2,202 | 22.6% of 1,587 decided |
| Black or African American | 415 | 34.2% of 307 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 6,743 | 19.7% of 5,092 decided |
| 2 or more minority races | 20 | no rate: base under 50 |
| Joint | 523 | 14.0% of 392 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,160 | 18.0% of 2,334 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 583 | 30.2% of 417 decided |
| Not Hispanic or Latino | 9,275 | 20.0% of 6,931 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,982 | 18.6% of 2,209 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,351 | 25.6% of 3,183 decided |
| Female | 2,941 | 22.7% of 2,185 decided |
| Joint | 3,833 | 14.9% of 2,872 decided |
| Sex Not Available | 1,974 | 14.4% of 1,512 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved