Lender in New York · HMDA 2025
Cliffco, Inc. mortgages in New York
Cliffco, Inc.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Cliffco, Inc. originated 668 owner-occupied single-family loans in New York from 724 completed applications.
Its median conventional purchase loan costs were $8,180 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.75% (New York: 6.50%).
Loans in NY
668
of 724 applications
Denial rate
6.6%
Purchase · NY 9.5%
Rate spread
+0.23 pts
Conv. · NY +0.07 pts
Loan amount
$585,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 634 | 591 | 6.6% | 6.750% | +0.23 pts | $8,180 | $585,000 |
| Refinance | 14 | 11 | — | — | — | — | — |
| Cash-out refinance | 76 | 66 | 13.2% | 7.125% | +0.50 pts | $13,540 | $505,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Cliffco, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Nassau County | 13 | 196 | 1.9% |
| Suffolk County | 16 | 233 | 1.7% |
| Queens County | 20 | 98 | 1.1% |
| New York County | 25 | 27 | 0.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology