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Mortgage lending in New York

Lenders in New York reported 389,757 mortgage applications for 2025, according to the CFPB.

389,757 mortgage applications and 232,239 loans originated in 2025. 76,984 of the 320,184 applications decided were denied, 24.0%. From 2025, the CFPB’s Snapshot release.

389,757
Applications
232,239
Loans originated
11.6 per 1,000 residents, over the Census Bureau's 2025 estimate.
24.0%
Denial rate
76,984 denied of 320,184 applications decided.

The largest lenders in New York

2 more columns on a wider screen

Lenders in New York by loans originated, 2025
RankLenderOriginated
1Rocket Mortgage13,729
2United Wholesale Mortgage11,158
3Citizens Bank, NA11,000
4JPMorgan Chase Bank, NA9,163
5M&T Bank7,073
6ESL Federal Credit Union5,532
7Crosscountry Mortgage, LLC5,429
8Premium Mortgage Corporation5,094
9Broadview Federal Credit Union4,585
10TD Bank4,324
11Fourleaf Federal Credit Union4,085
12Homestead Funding Corp.4,005
13Bank of America NA3,897
14Community Bank, N.A.3,851
15Citibank, NA3,687
16Hudson Valley Credit Union3,660
17Newrez LLC3,123
18Empower Federal Credit Union3,103
19Wells Fargo Bank NA2,733
20loanDepot.com LLC2,612
21Keybank National Association2,485
22SEFCU Services, LLC2,334
23Americu Credit Union2,316
24Pennymac Loan Services LLC2,278
25Nationwide Mortgage Bankers, Inc.2,070

Counties in New York

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Counties in New York by loans originated, with the median loan, 2025
CountyOriginatedMedian loan
Suffolk County26,413$415,000
Nassau County19,230$485,000
Erie County16,228$195,000
Monroe County15,921$155,000
Queens County13,999$495,000
Kings County12,900$685,000
Westchester County12,211$455,000
Onondaga County8,764$155,000
New York County7,521$755,000
Orange County7,180$295,000
Albany County5,656$205,000
Richmond County5,384$435,000
Dutchess County5,064$255,000
Saratoga County4,929$235,000
Rockland County4,849$455,000
Bronx County3,990$515,000
Niagara County3,894$155,000
Oneida County3,752$145,000
Schenectady County3,227$195,000
Rensselaer County3,088$185,000
Ulster County3,041$255,000
Broome County2,919$125,000
Ontario County2,413$165,000
Oswego County2,252$125,000
Wayne County2,022$125,000
Jefferson County1,984$165,000
Putnam County1,878$310,000
Steuben County1,685$105,000
Chautauqua County1,656$115,000
Sullivan County1,638$255,000
Chemung County1,394$105,000
Warren County1,270$205,000
Madison County1,246$145,000
Cayuga County1,226$125,000
Columbia County1,160$245,000
Tompkins County1,122$215,000
Livingston County1,096$135,000
Herkimer County1,043$115,000
Washington County1,008$175,000
Greene County988$225,000
Genesee County927$135,000
St. Lawrence County899$115,000
Fulton County894$135,000
Clinton County891$175,000
Cattaraugus County888$125,000
Montgomery County832$155,000
Tioga County821$125,000
Otsego County818$135,000
Orleans County718$120,000
Chenango County697$105,000
Wyoming County667$125,000
Cortland County647$135,000
Delaware County639$155,000
Essex County553$185,000
Schoharie County535$155,000
Allegany County528$105,000
Seneca County513$125,000
Lewis County462$115,000
Yates County416$165,000
Franklin County380$155,000
Schuyler County310$135,000
Hamilton County145$185,000

New York elsewhere on the Factbook

  • Reported crime Crime and justice

    Offenses reported to police by type, the trend, and the reporting coverage.

  • Cities by violent crime rate in New York Crime and justice

    What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.

  • Prison population Crime and justice

    People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.

  • Arrests by race, sex and age Crime and justice

    Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.

  • Hate crime Crime and justice

    Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.

  • Federal obligations Federal spending

    What federal agencies obligated against a place of performance in the state, per resident and by agency.

  • Registered nonprofits Nonprofits

    How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.

  • Payments to doctors Health

    What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.

  • Immigration courts Immigration and the border

    The EOIR courts sitting in the state, what they completed and still have pending, and how far apart their asylum grant rates are. The courts, not the state’s residents: a detention court hears cases from far outside it.

  • Farm program payments Farm subsidies

    What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.

  • Paycheck Protection Program loans PPP loans

    The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.

  • Population, age, income and origin Demographics

    The Census Bureau's population estimates year by year, with births, deaths and migration, and age, income, poverty, housing and origin from the American Community Survey, each with its margin of error.

  • Public schools Schools

    Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.

  • Banks and credit unions Banks and credit unions

    The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.

  • Housing Housing

    The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.

  • Cost of living Cost of living

    BEA’s price level for the state against the nation, for goods, rents, utilities and other services, and its metro areas beside it.

  • County health County health

    CDC’s model-based estimates of adult health, risk behaviors and prevention for every county in the state, each with its 95% interval.

  • College athletics Sports

    Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.

  • Federal civilian workforce Federal salaries

    Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.

  • The New York Factbook entry Across the Factbook

    Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.

The immigration link above is EOIR’s courts, which sit in this state. CBP’s encounters are not by state and will not be: its sectors and field offices are areas of responsibility rather than a geography, and assigning them to states would be a claim the data does not make. Immigration and the border.

More about New York →

Sources

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