Lenders › FM Home Loans LLC › New York
FM Home Loans LLC in New York
HMDA record for properties in New York, calendar year 2024. National record · New York overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
FM Home Loans LLC's 2024 HMDA record for New York covers 1,175 applications, 772 of them originated, worth $563m.
Its denial rate in the state was 2.7%, below the New York rate of 25.4% across all lenders and compared with the lender's national rate of 2.8%.
The median rate spread on its New York originations was 0.5 percentage points (state median 0.3).
Applications in the state were up 8% on 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | FM Home Loans LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 2.7% | 25.4% | 2.8% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.1% | 15.0% | 13.9% | 15.6% |
| Average originated loan | $729k | $446k | $638k | $329k |
| Home purchase share | 74.5% | 55.3% | 71.2% | 57.0% |
| FHA-insured share | 3.2% | 7.4% | 2.7% | 13.4% |
| VA-guaranteed share | 0.0% | 2.4% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew York, all lenders
Loan purpose and loan type in New York
By purpose
Home purchase 74% (575)Refinancing 26% (197)
By type
Conventional 97% (747)FHA 3% (25)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in New York
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Kings County | 321 | 199 | $190m | 2.5% |
| Rockland County | 195 | 141 | $89m | 0.7% |
| Nassau County | 155 | 115 | $98m | 2.3% |
| Orange County | 136 | 74 | $36m | 4.2% |
| Queens County | 88 | 59 | $38m | 5.8% |
| Suffolk County | 49 | 35 | $24m | 5.1% |
| Westchester County | 38 | 29 | $21m | 0.0% |
| Richmond County | 36 | 26 | $13m | 3.3% |
| New York County | 34 | 23 | $22m | 3.6% |
| Sullivan County | 30 | 17 | $7.4m | — |
| Bronx County | 28 | 14 | $10m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did FM Home Loans LLC originate in New York in 2024?
772 loans totalling $563m, from 1,175 applications reported for properties in New York.
What is FM Home Loans LLC's denial rate in New York?
2.7% of decided applications in New York were denied, against 25.4% for all lenders in the state and 2.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New York counties does FM Home Loans LLC lend in most?
By originations: Kings County (199), Rockland County (141), Nassau County (115), Orange County (74), Queens County (59).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New York. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.