Lender in New York · HMDA 2025
Bank of America, N.A. mortgages in New York
Bank of America, N.A.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Bank of America, N.A. originated 1,511 owner-occupied single-family loans in New York from 1,893 completed applications, making it the state's #20 lender by volume.
Its median conventional purchase loan costs were $5,760 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.125% (New York: 6.50%).
Loans in NY
1,511
of 1,893 applications
Denial rate
20.2%
Purchase · NY 9.5%
Rate spread
−0.37 pts
Conv. · NY +0.07 pts
Loan amount
$505,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,653 | 1,313 | 20.2% | 6.125% | −0.37 pts | $5,760 | $505,000 |
| Refinance | 145 | 123 | 15.2% | 6.250% | −0.31 pts | $5,310 | $885,000 |
| Cash-out refinance | 95 | 75 | 21.1% | 6.625% | +0.01 pts | $5,040 | $315,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Bank of America, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| New York County | 6 | 216 | 4.2% |
| Westchester County | 8 | 243 | 3.3% |
| Kings County | 9 | 149 | 2.2% |
| Erie County | 10 | 161 | 1.7% |
| Albany County | 14 | 31 | 1.2% |
| Niagara County | 14 | 29 | 1.4% |
| Essex County | 15 | 4 | 1.6% |
| Nassau County | 17 | 153 | 1.5% |
| Bronx County | 17 | 34 | 1.7% |
| Ulster County | 19 | 19 | 1.3% |
| Saratoga County | 20 | 25 | 1.0% |
| Queens County | 23 | 82 | 0.9% |
| Orange County | 23 | 34 | 1.0% |
| Columbia County | 23 | 5 | 1.0% |
| Franklin County | 23 | 2 | 1.0% |
| Suffolk County | 25 | 141 | 1.0% |
| Rensselaer County | 25 | 11 | 0.8% |
- Bank of America, N.A. nationwide
- New York mortgage market
- Bank of America, N.A. in California
- Bank of America, N.A. in Texas
- Bank of America, N.A. in Florida
- Bank of America, N.A. in North Carolina
- Bank of America, N.A. in Washington
- Bank of America, N.A. in Illinois
- Bank of America, N.A. in New Jersey
- Bank of America, N.A. in Georgia
- Bank of America, N.A. in Massachusetts
- Bank of America, N.A. in Pennsylvania
- Bank of America, N.A. in Virginia
- Bank of America, N.A. in Maryland
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology