Lenders › Plaza Home Mortgage, Inc › New York
Plaza Home Mortgage, Inc 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.
Plaza Home Mortgage, Inc's 2024 HMDA record for New York covers 2,706 applications, 1,616 of them originated, worth $611m.
Its denial rate in the state was 30.1%, above the New York rate of 25.4% across all lenders and compared with the lender's national rate of 27.2%.
The median rate spread on its New York originations was 0.4 percentage points (state median 0.3).
Applications in the state were down 11% on 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | Plaza Home Mortgage, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 30.1% | 25.4% | 27.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.0% | 15.0% | 14.4% | 15.6% |
| Average originated loan | $378k | $446k | $320k | $329k |
| Home purchase share | 86.1% | 55.3% | 77.3% | 57.0% |
| FHA-insured share | 30.0% | 7.4% | 30.3% | 13.4% |
| VA-guaranteed share | 6.0% | 2.4% | 8.9% | 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 86% (1,392)Refinancing 2% (40)Cash-out refinancing 11% (184)
By type
Conventional 63% (1,013)FHA 30% (484)VA 6% (97)USDA 1% (22)
Denial reasons as coded
Share of 766 denials in New York by first denial reason coded (outlined bar: all lenders in the state).
Counties in New York
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Suffolk County | 252 | 166 | $85m | 25.5% |
| Nassau County | 270 | 162 | $91m | 26.9% |
| Oneida County | 166 | 124 | $24m | 19.9% |
| Queens County | 230 | 112 | $67m | 40.0% |
| Erie County | 140 | 101 | $26m | 17.9% |
| Onondaga County | 127 | 86 | $16m | 20.0% |
| Richmond County | 115 | 80 | $45m | 22.3% |
| Herkimer County | 98 | 79 | $13m | 14.6% |
| Kings County | 194 | 72 | $50m | 50.6% |
| Westchester County | 126 | 68 | $33m | 35.5% |
| Jefferson County | 62 | 49 | $10m | 15.0% |
| Orange County | 81 | 44 | $13m | 30.6% |
| Rockland County | 63 | 35 | $20m | 33.3% |
| Monroe County | 64 | 31 | $7.3m | 43.9% |
| Oswego County | 44 | 31 | $4.8m | 22.7% |
| Dutchess County | 61 | 30 | $12m | 40.0% |
| Otsego County | 37 | 27 | $5.5m | 22.2% |
| Saratoga County | 35 | 27 | $8.6m | 15.6% |
| Albany County | 41 | 26 | $7.3m | 15.8% |
| Schenectady County | 38 | 26 | $5.7m | 26.3% |
| Niagara County | 35 | 25 | $6.0m | 21.2% |
| Bronx County | 58 | 23 | $14m | 47.3% |
| New York County | 27 | 5 | $4.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Plaza Home Mortgage, Inc originate in New York in 2024?
1,616 loans totalling $611m, from 2,706 applications reported for properties in New York.
What is Plaza Home Mortgage, Inc's denial rate in New York?
30.1% of decided applications in New York were denied, against 25.4% for all lenders in the state and 27.2% 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 Plaza Home Mortgage, Inc lend in most?
By originations: Suffolk County (166), Nassau County (162), Oneida County (124), Queens County (112), Erie County (101).
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.