New York

Today's New York (NY) Mortgage Rates

New York (NY) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 2,408,206
  • Application denied by financial institution: 1,138,029
  • Loan purchased by the institution: 742,331
  • Application withdrawn by applicant: 486,111
  • Application approved but not accepted: 303,354
  • File closed for incompleteness: 188,739
  • Preapproval request approved but not accepted: 838
  • Preapproval request denied by financial institution: 709

  • Refinancing: 2,686,346
  • Home purchase: 2,070,291
  • Home improvement: 511,680

  • Conventional: 4,309,708
  • FHA-insured: 829,769
  • VA-guaranteed: 102,231
  • FSA/RHS-guaranteed: 26,609

  • White: 3,463,120
  • Information not provided by applicant in mail, Internet, or telephone application: 677,563
  • Not applicable: 420,641
  • Black or African American: 381,207
  • Asian: 286,601
  • American Indian or Alaska Native: 20,792
  • Native Hawaiian or Other Pacific Islander: 18,393

  • Not Hispanic or Latino: 3,888,720
  • Information not provided by applicant in mail, Internet, or telephone application: 651,825
  • Not applicable: 422,004
  • Hispanic or Latino: 305,768

  • Male: 2,970,411
  • Female: 1,509,498
  • Not applicable: 420,777
  • Information not provided by applicant in mail, Internet, or telephone application: 367,631

  • Office of the Comptroller of the Currency: 1,469,257
  • Consumer Financial Protection Bureau: 1,212,257
  • Department of Housing and Urban Development: 1,155,787
  • National Credit Union Administration: 448,541
  • Office of Thrift Supervision: 430,030
  • Federal Reserve System: 372,646
  • Federal Deposit Insurance Corporation: 179,799

  • Suffolk County: 568,807
  • Queens County: 462,038
  • Nassau County: 457,872
  • Kings County: 401,132
  • New York County: 308,722
  • Erie County: 283,579
  • Westchester County: 281,077
  • Monroe County: 260,167
  • Onondaga County: 168,254
  • Richmond County: 149,068
  • Bronx County: 136,973
  • Orange County: 128,919
  • Albany County: 114,591
  • Saratoga County: 110,489
  • Dutchess County: 104,202
  • Rockland County: 92,693
  • Oneida County: 73,699
  • Schenectady County: 65,802
  • Niagara County: 63,612
  • Rensselaer County: 62,912
  • Ulster County: 61,020
  • Broome County: 57,295
  • Ontario County: 48,599
  • Oswego County: 39,622
  • Putnam County: 38,071
  • Wayne County: 36,540
  • Jefferson County: 35,734
  • Chautauqua County: 32,609
  • Warren County: 30,207
  • Chemung County: 30,186
  • Steuben County: 30,050
  • Cayuga County: 25,973
  • Clinton County: 25,360
  • Tompkins County: 25,084
  • Madison County: 25,065
  • Washington County: 24,554
  • Sullivan County: 23,811
  • Columbia County: 22,991
  • St. Lawrence County: 21,813
  • Livingston County: 21,370
  • Herkimer County: 21,120
  • Cattaraugus County: 21,082
  • Greene County: 20,448
  • Otsego County: 19,224
  • Fulton County: 19,161
  • Tioga County: 17,491
  • Genesee County: 16,570
  • Montgomery County: 15,379
  • Essex County: 14,870
  • Chenango County: 14,122
  • Cortland County: 13,541
  • Franklin County: 13,488
  • Delaware County: 13,413
  • Orleans County: 12,531
  • Wyoming County: 12,335
  • Seneca County: 11,608
  • Schoharie County: 11,489
  • Allegany County: 11,434
  • Unknown: 11,029
  • Yates County: 9,256
  • Lewis County: 8,622
  • Schuyler County: 6,812
  • Hamilton County: 2,730

  • New York, White Plains, Wayne – NY, NJ: 1,581,271
  • Nassau, Suffolk – NY: 871,356
  • Unknown: 467,033
  • Rochester – NY: 380,682
  • Albany, Schenectady, Troy – NY: 365,121
  • New York, Jersey City, White Plains – NY, NJ: 300,837
  • Buffalo, Niagara Falls – NY: 288,195
  • Syracuse – NY: 232,816
  • Poughkeepsie, Newburgh, Middletown – NY: 199,655
  • Nassau County, Suffolk County – NY: 155,196
  • Utica, Rome – NY: 94,706
  • Binghamton – NY: 74,717
  • Kingston – NY: 60,845
  • Buffalo, Cheektowaga, Niagara Falls – NY: 58,910
  • Glens Falls – NY: 54,454
  • Elmira – NY: 30,138
  • Ithaca – NY: 25,057
  • Dutchess County, Putnam County – NY: 20,421
  • Watertown, Fort Drum – NY: 6,907

  • Unknown: 4,400,358
  • Debt-to-income ratio: 208,750
  • Credit history: 180,055
  • Collateral: 176,789
  • Credit application incomplete: 136,556
  • Other: 99,073
  • Unverifiable information: 38,324
  • Insufficient cash (downpayment, closing costs): 16,681
  • Employment history: 9,248
  • Mortgage insurance denied: 2,483

  • Not a HOEPA loan: 5,267,698
  • HOEPA loan: 619

  • Secured by a first lien: 4,004,135
  • Not applicable: 742,331
  • Secured by a subordinate lien: 326,896
  • Not secured by a lien: 194,955

  • Owner-occupied as a principal dwelling: 4,830,401
  • Not owner-occupied as a principal dwelling: 387,277
  • Not applicable: 50,639

  • One-to-four family dwelling (other than manufactured housing): 5,150,048
  • Manufactured housing: 73,625
  • Multifamily dwelling: 44,644

  • Loan was not originated or was not sold in calendar year covered by register: 3,236,267
  • Fannie Mae (FNMA): 609,321
  • Freddie Mac (FHLMC): 354,627
  • Ginnie Mae (GNMA): 312,022
  • Affiliate institution: 233,329
  • Commercial bank, savings bank or savings association: 201,597
  • Other type of purchaser: 153,802
  • Life insurance company, credit union, mortgage bank, or finance company: 124,032
  • Private securitization: 43,234
  • Farmer Mac (FAMC): 86