Lender in New York · HMDA 2025
Royal Business Bank mortgages in New York
Royal Business Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Royal Business Bank originated 250 owner-occupied single-family loans in New York from 271 completed applications.
Its median conventional purchase loan costs were $7,340 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.25% (New York: 6.50%).
Loans in NY
250
of 271 applications
Denial rate
5.6%
Purchase · NY 9.5%
Rate spread
+0.19 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 | 251 | 234 | 5.6% | 6.250% | +0.19 pts | $7,340 | $475,000 |
| Refinance | 10 | 9 | — | — | — | — | — |
| Cash-out refinance | 10 | 7 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Royal Business Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Richmond County | 11 | 86 | 2.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology