NY · Statewide HMDA 2024
New York mortgage lending
According to the CFPB HMDA 2024 Snapshot, 624 reporting lenders · 62 counties · 14 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, New York ranks #9 of 54 by application volume but #21 of 52 states with 10,000+ applications on origination share (54.4%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #21
- Origination-share rank of 52
- 54.4%
- Origination share
- 208,864
- Originated
- 19.4%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
383,754reported applications
CFPB HMDA state filing plate
State NY · New York 19.4% denial
VOL-HEAVY · DEN-STEEP · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-HEAVY #9/54
- DEN-STEEP 19.4%
- PHOTO-FINISH Rhode Island
- ORIG-FLOOR 54.4%
- BOOK-FULL 624 lenders
- LEAD-MIX 5% top
Photo-finish peer: Rhode Island · 19.4% denial (+0.0pp vs New York)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · New York
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for New York: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (19.4% here).
Similar application volume
Nearest states by HMDA applications filed (383,754 here).
Top lenders by originations · New York
Funded loans among HMDA-reporting institutions active in this state.
Where New York sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
383,754 Top 17% higher than 83% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · New York
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. New York filed 383,754 HMDA-reported applications in 2024 (#9 of 54 by volume) with a 19.4% denial rate - 2.3pp above the national 17.2% baseline. White applicants (222,434 apps) show 18.9% denial; Asian applicants (33,955 apps) show 19.0% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in New York
Top HMDA-reporting lenders active in New York. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 11,366 | 5.4% |
| 2 | United Wholesale Mortgage | 10,994 | 5.3% |
| 3 | CBNA Year to Date | 8,689 | 4.2% |
| 4 | JPMorgan Chase Bank, NA | 7,362 | 3.5% |
| 5 | M&T Bank | 6,725 | 3.2% |
Reported outcomes by applicant race in New York
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 222,434 | 61.7% | 18.9% |
| Asian | 33,955 | 56.3% | 19.0% |
| Black or African American | 29,210 | 45.4% | 31.2% |
| Joint | 6,251 | 63.4% | 15.3% |
| American Indian or Alaska Native | 1,582 | 37.7% | 37.7% |
| 2 or more minority races | 919 | 39.5% | 37.9% |
| Native Hawaiian or Other Pacific Islander | 783 | 39.9% | 37.5% |
Every county in New York, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Suffolk County | 46,185 | 23,796 | 20.1% | $440,145 |
| Nassau County | 33,897 | 16,958 | 22.8% | $565,977 |
| Queens County | 26,512 | 12,557 | 23.3% | $659,823 |
| Erie County | 24,268 | 14,651 | 17.1% | $208,652 |
| Monroe County | 24,222 | 14,764 | 14.7% | $202,359 |
| Kings County | 23,605 | 11,228 | 22.3% | $1,187,425 |
| Westchester County | 18,941 | 10,397 | 18.5% | $585,037 |
| Onondaga County | 13,037 | 7,920 | 16.8% | $184,580 |
| Orange County | 12,656 | 6,877 | 21.0% | $297,660 |
| New York County | 11,664 | 6,375 | 16.7% | $1,849,799 |
| Richmond County | 9,174 | 4,969 | 20.4% | $416,222 |
| Albany County | 8,422 | 4,967 | 15.7% | $222,102 |
| Bronx County | 8,390 | 3,554 | 25.7% | $843,337 |
| Rockland County | 8,213 | 4,312 | 21.1% | $489,494 |
| Dutchess County | 8,195 | 4,571 | 20.6% | $308,778 |
| Saratoga County | 7,733 | 4,479 | 16.7% | $250,733 |
| Niagara County | 5,992 | 3,561 | 17.0% | $281,956 |
| Oneida County | 5,672 | 3,483 | 17.7% | $209,420 |
| Schenectady County | 5,153 | 2,903 | 16.8% | $202,136 |
| Rensselaer County | 4,988 | 2,906 | 16.0% | $214,673 |
| Ulster County | 4,878 | 2,701 | 20.5% | $282,612 |
| Broome County | 4,679 | 2,641 | 17.6% | $153,880 |
| Ontario County | 3,685 | 2,254 | 14.4% | $198,083 |
| Oswego County | 3,232 | 1,937 | 20.1% | $132,222 |
| Sullivan County | 3,040 | 1,588 | 21.8% | $260,865 |
| Jefferson County | 3,036 | 1,793 | 16.3% | $199,246 |
| Wayne County | 3,024 | 1,915 | 15.7% | $145,073 |
| Putnam County | 2,904 | 1,582 | 20.0% | $305,882 |
| Chautauqua County | 2,501 | 1,507 | 21.2% | $133,944 |
| Steuben County | 2,467 | 1,530 | 16.0% | $131,623 |
| Chemung County | 2,157 | 1,352 | 15.6% | $125,181 |
| Warren County | 2,061 | 1,103 | 17.9% | $224,510 |
| Cayuga County | 1,919 | 1,184 | 18.8% | $146,355 |
| Columbia County | 1,839 | 956 | 19.9% | $283,015 |
| Washington County | 1,777 | 908 | 19.0% | $176,035 |
| Madison County | 1,775 | 1,072 | 18.0% | $164,786 |
| Livingston County | 1,675 | 1,031 | 15.7% | $154,976 |
| Greene County | 1,667 | 846 | 19.9% | $245,954 |
| Herkimer County | 1,630 | 951 | 20.9% | $141,239 |
| Tompkins County | 1,594 | 1,052 | 15.5% | $756,035 |
| Genesee County | 1,508 | 889 | 18.8% | $141,731 |
| Clinton County | 1,496 | 822 | 18.8% | $175,856 |
| Fulton County | 1,483 | 799 | 20.9% | $152,276 |
| Cattaraugus County | 1,455 | 819 | 19.0% | $144,863 |
| St. Lawrence County | 1,428 | 807 | 22.2% | $129,580 |
| Montgomery County | 1,351 | 688 | 21.8% | $143,964 |
| Otsego County | 1,337 | 737 | 21.5% | $159,316 |
| Tioga County | 1,214 | 655 | 20.1% | $138,517 |
| Orleans County | 1,164 | 686 | 18.8% | $117,672 |
| Delaware County | 1,116 | 559 | 23.4% | $178,145 |
| Chenango County | 1,052 | 583 | 20.3% | $126,502 |
| Cortland County | 1,022 | 618 | 20.8% | $151,164 |
| Essex County | 970 | 572 | 17.4% | $267,979 |
| Wyoming County | 914 | 565 | 16.6% | $136,991 |
| Schoharie County | 912 | 505 | 18.6% | $166,776 |
| Allegany County | 797 | 475 | 19.6% | $114,197 |
| Seneca County | 746 | 446 | 21.3% | $157,560 |
| Lewis County | 743 | 446 | 18.7% | $131,851 |
| Yates County | 660 | 430 | 13.3% | $195,076 |
| Franklin County | 613 | 353 | 19.3% | $159,861 |
| Schuyler County | 468 | 284 | 20.7% | $149,594 |
| Hamilton County | 182 | 103 | 15.4% | $215,824 |
Metro Areas in New York
Frequently Asked Questions
How many mortgage applications were filed in New York?
Where does New York sit among U.S. states for mortgage volume?
What is the mortgage denial rate in New York?
What is the average mortgage loan amount in New York?
How many mortgage lenders operate in New York?
How do mortgage denial rates vary by demographics in New York?
Which counties in New York have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
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 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.