Mortgage Approval and Denial Rates in New York (2025 HMDA)

Mortgage denial rates in New York: lenders acted on 387,498 mortgage applications in New York in 2025 and denied 19.6% of them, down from 21.1% in 2024. The national denial rate was 17.7%.

Applications acted on

387,498

Loans originated

231,331

Denial rate

19.6%

Median loan

$235,000

New York against the national picture

New York denial rate19.6%
National denial rate17.7%
New York, 202421.1%

Most-reported denial reason in New York: Debt-to-income ratio.

Counties ranked by denial rate

CountyApplicationsDenial rateMedian loan
Bronx County8,47325.0%$405,000
Delaware County1,20523.7%$155,000
Montgomery County1,41523.3%$135,000
Chenango County1,20823.3%$105,000
Allegany County86023.3%$95,000
Schoharie County89022.5%$145,000
Queens County27,21822.4%$425,000
Orleans County1,14022.4%$105,000
Nassau County34,50822.3%$415,000
Washington County1,71822.2%$155,000
Wyoming County99521.8%$125,000
Sullivan County3,00421.6%$245,000
Ulster County5,17121.5%$225,000
Greene County1,71321.5%$205,000
Herkimer County1,69221.5%$105,000
Fulton County1,52421.5%$125,000
Columbia County1,98921.4%$215,000
Chautauqua County2,64621.3%$105,000
Cattaraugus County1,45421.2%$115,000
Kings County24,90321.0%$605,000
St. Lawrence County1,51720.9%$105,000
Hamilton County23120.8%$175,000
Genesee County1,44220.7%$125,000
Dutchess County8,53520.5%$225,000
Oneida County5,88120.5%$135,000
Orange County12,25720.4%$265,000
Lewis County70720.4%$105,000
Suffolk County45,40920.3%$365,000
Cortland County1,02520.2%$125,000
Schenectady County5,33220.1%$175,000
Broome County4,82319.9%$125,000
Richmond County9,25119.8%$395,000
Seneca County79719.6%$115,000
Franklin County66519.4%$135,000
Warren County2,05119.3%$205,000
Otsego County1,43719.3%$145,000
Niagara County5,93019.2%$135,000
Chemung County2,22219.1%$105,000
Tioga County1,27419.1%$125,000
Rockland County8,22418.9%$415,000
Schuyler County50318.9%$125,000
Cayuga County1,89218.8%$115,000
Putnam County3,00918.7%$275,000
Wayne County2,92318.4%$115,000
Rensselaer County4,93018.1%$175,000
Essex County95118.0%$175,000
Oswego County3,48417.9%$115,000
Erie County24,22417.8%$175,000
Albany County9,07117.8%$185,000
Saratoga County7,87917.8%$205,000
Westchester County20,62117.7%$405,000
Madison County1,86917.7%$135,000
Clinton County1,42717.7%$165,000
Jefferson County3,04817.3%$155,000
Onondaga County13,03616.9%$145,000
Livingston County1,56716.8%$125,000
Tompkins County1,64216.6%$195,000
Steuben County2,53616.4%$105,000
Monroe County23,01016.1%$135,000
Ontario County3,46115.1%$155,000
New York County13,09914.9%$695,000
Yates County58013.3%$165,000

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Reading these numbers

The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.

Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.