New York-Jersey City-White Plains
Metropolitan Statistical Area · MSA Code 35614
According to CFPB HMDA 2024 application volume among tracked metros, New York-Jersey City-White Plains ranks #9 of 418.
Mortgage lending activity in the New York-Jersey City-White Plains metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The New York-Jersey City-White Plains Metropolitan Statistical Area (MSA code 35614) recorded 165,689 HMDA-reported mortgage applications in 2024. Lenders originated 80,795 of those and denied others at a rate of 20.6%, for an approval (origination) rate of 48.8%. The average loan amount across the MSA was $729,986 at an average note rate of 7.18%. 20 major lenders are tracked for this metro - JPMorgan Chase Bank, NA, United Wholesale Mortgage, CBNA Year to Date lead by origination volume. Among the 418 metros tracked, New York-Jersey City-White Plains ranks #385 by denial rate (the 8th percentile for approval-friendliness), and shares its 5-point denial-rate band with 47 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single New York-Jersey City-White Plains denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 20.6% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $729,986 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in New York-Jersey City-White Plains
In New York-Jersey City-White Plains, lead originator JPMorgan Chase Bank, NA funded only 6.9% of 80,795 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 18.6% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to New York-Jersey City-White Plains's 20.6% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to New York-Jersey City-White Plains's 165,689 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to New York-Jersey City-White Plains's $729,986 average loan (deduped against denial and volume peers).
Lenders active in the New York-Jersey City-White Plains metro
JPMorgan Chase Bank, NA funded 5,545 of the 80,795 loans originated here, 6.9% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, NA | 5,545 | 9,543 | $881,460 | 6.9% |
| 2 | United Wholesale Mortgage | 5,300 | 7,758 | $594,885 | 6.6% |
| 3 | CBNA Year to Date | 4,207 | 8,671 | $460,072 | 5.2% |
| 4 | Rocket Mortgage | 4,111 | 6,176 | $377,123 | 5.1% |
| 5 | TD Bank | 3,696 | 8,330 | $375,839 | 4.6% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for New York-Jersey City-White Plains borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This New York-Jersey City-White Plains page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.