Lender in New York · HMDA 2025
Cathay Bank mortgages in New York
Cathay Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Cathay Bank originated 468 owner-occupied single-family loans in New York from 555 completed applications.
Its median conventional purchase loan costs were $7,600 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.50% (New York: 6.50%).
Loans in NY
468
of 555 applications
Denial rate
7.0%
Purchase · NY 9.5%
Rate spread
−0.10 pts
Conv. · NY +0.07 pts
Loan amount
$535,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 497 | 427 | 7.0% | 6.500% | −0.10 pts | $7,600 | $535,000 |
| Refinance | 39 | 26 | 23.1% | — | +0.47 pts | $6,570 | $355,000 |
| Cash-out refinance | 19 | 15 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Cathay Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Queens County | 7 | 217 | 2.5% |
| Richmond County | 15 | 60 | 1.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology