Lender in New York · HMDA 2025
Rate mortgages in New York
Rate's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Rate originated 936 owner-occupied single-family loans in New York from 1,013 completed applications.
Its median conventional purchase loan costs were $6,510 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
936
of 1,013 applications
Denial rate
5.7%
Purchase · NY 9.5%
Rate spread
+0.08 pts
Conv. · NY +0.07 pts
Loan amount
$475,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 872 | 815 | 5.7% | 6.625% | +0.08 pts | $6,510 | $475,000 |
| Refinance | 68 | 63 | 7.3% | 6.375% | −0.08 pts | $6,620 | $575,000 |
| Cash-out refinance | 73 | 58 | 19.2% | 6.750% | +0.29 pts | $7,380 | $555,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Rockland County | 3 | 197 | 8.4% |
| Essex County | 3 | 18 | 7.1% |
| Columbia County | 4 | 29 | 6.0% |
| Greene County | 4 | 12 | 3.2% |
| Warren County | 10 | 13 | 2.3% |
| Washington County | 10 | 13 | 2.2% |
| New York County | 15 | 71 | 1.4% |
| Orange County | 15 | 62 | 1.8% |
| Kings County | 17 | 83 | 1.2% |
| Westchester County | 18 | 81 | 1.1% |
| Otsego County | 20 | 4 | 1.0% |
| Richmond County | 24 | 31 | 0.9% |
| Dutchess County | 24 | 26 | 1.0% |
| Saratoga County | 25 | 19 | 0.8% |
| St. Lawrence County | 25 | 3 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology