Lender in New York · HMDA 2025
New American Funding mortgages in New York
New American Funding's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
New American Funding originated 822 owner-occupied single-family loans in New York from 904 completed applications.
Its median conventional purchase loan costs were $8,080 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
822
of 904 applications
Denial rate
5.6%
Purchase · NY 9.5%
Rate spread
+0.38 pts
Conv. · NY +0.07 pts
Loan amount
$515,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 767 | 714 | 5.6% | 6.750% | +0.38 pts | $8,080 | $515,000 |
| Refinance | 50 | 39 | 20.0% | 6.375% | +0.21 pts | $14,550 | $505,000 |
| Cash-out refinance | 87 | 69 | 18.4% | 6.990% | +0.83 pts | $17,840 | $485,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where New American Funding ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Richmond County | 9 | 97 | 2.9% |
| Albany County | 9 | 58 | 2.2% |
| Rensselaer County | 9 | 28 | 1.9% |
| Saratoga County | 13 | 40 | 1.7% |
| Schenectady County | 13 | 26 | 1.5% |
| Suffolk County | 14 | 251 | 1.8% |
| Schoharie County | 14 | 5 | 2.0% |
| Hamilton County | 15 | 1 | 2.3% |
| Sullivan County | 19 | 7 | 1.1% |
| Greene County | 19 | 4 | 1.1% |
| Nassau County | 22 | 123 | 1.2% |
| Clinton County | 23 | 3 | 0.6% |
| Montgomery County | 24 | 3 | 0.7% |
| Delaware County | 25 | 2 | 0.8% |
- New American Funding nationwide
- New York mortgage market
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- New American Funding in Ohio
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- New American Funding in North Carolina
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology