Mortgage lending in Richmond County, New York
Lenders in Richmond County, New York reported 9,254 mortgage applications for 2025, according to the CFPB.
9,254 mortgage applications and 5,384 loans originated in 2025; the denial rate was 24.6% of 7,454 applications decided. The median loan was about $435,000. 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.
- 9,254
- Applications
- 5,384
- Loans originated
- 24.6%
- Denial rate
- 1,835 denied of 7,454 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,254 | 5,384 |
| 2024 | 8,690 | 4,969 |
| 2023 | 8,476 | 4,719 |
| 2022 | 12,979 | 7,656 |
| 2021 | 21,484 | 14,308 |
| 2020 | 20,346 | 12,352 |
| 2019 | 15,510 | 8,916 |
| 2018 | 15,082 | 8,661 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 442 | 629 |
| Rocket Mortgage | 328 | 481 |
| JPMorgan Chase Bank, NA | 315 | 476 |
| Citizens Bank, NA | 282 | 553 |
| TD Bank | 258 | 531 |
| Newrez LLC | 195 | 415 |
| Crosscountry Mortgage, LLC | 161 | 260 |
| Pennymac Loan Services LLC | 149 | 203 |
| Municipal Credit Union | 127 | 299 |
| First Central Savings Bank | 127 | 135 |
| Northfield Bank | 125 | 237 |
| The Federal Savings Bank | 124 | 151 |
| New American Funding, LLC. | 112 | 164 |
| Citibank, NA | 111 | 304 |
| Metro City Bank | 104 | 111 |
| Royal Business Bank | 97 | 142 |
| Bank of Hope | 97 | 113 |
| Bank of America NA | 97 | 292 |
| Contour Mortgage Corporation | 83 | 109 |
| Cathay Bank | 83 | 114 |
| Nationwide Mortgage Bankers, Inc. | 73 | 99 |
| M&T Bank | 72 | 165 |
| loanDepot.com LLC | 68 | 94 |
| A&d Mortgage LLC | 67 | 93 |
| Hanover Community Bank | 67 | 78 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 32 | no rate: base under 50 |
| Asian | 2,092 | 15.3% of 1,761 decided |
| Black or African American | 472 | 37.7% of 374 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 4,810 | 25.6% of 3,863 decided |
| 2 or more minority races | 20 | no rate: base under 50 |
| Joint | 120 | 17.7% of 96 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,687 | 29.1% of 1,307 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 822 | 33.3% of 652 decided |
| Not Hispanic or Latino | 6,693 | 22.7% of 5,445 decided |
| Joint | 193 | 25.4% of 165 decided |
| Ethnicity Not Available | 1,531 | 28.2% of 1,177 decided |
| Free Form Text Only | 15 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,615 | 29.0% of 2,864 decided |
| Female | 2,209 | 22.7% of 1,807 decided |
| Joint | 2,683 | 20.8% of 2,222 decided |
| Sex Not Available | 747 | 23.4% of 561 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
- No. 61 Counties by median mortgage
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