Lenders › 21st Mortgage › New York
21st Mortgage 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.
In New York, 21st Mortgage reported 2,070 applications and 386 originations for 2024, $42m in all.
Its denial rate in the state was 69.6%, above the New York rate of 25.4% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its New York originations was 4.1 percentage points (state median 0.3).
Applications in the state were up 10% on 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 69.6% | 25.4% | 70.3% | 24.3% |
| Median rate spread, pp | 4.1 | 0.3 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 100.0% | 15.0% | 99.0% | 15.6% |
| Average originated loan | $109k | $446k | $114k | $329k |
| Home purchase share | 97.4% | 55.3% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 7.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 2.4% | 0.0% | 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 97% (376)Home improvement 0% (1)Refinancing 2% (6)Cash-out refinancing 1% (2)Other purpose 0% (1)
By type
Conventional 100% (386)
Denial reasons as coded
Share of 956 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 |
|---|---|---|---|---|
| Saratoga County | 289 | 43 | $4.2m | 76.8% |
| Rockland County | 85 | 33 | $4.1m | 47.6% |
| Erie County | 85 | 21 | $1.9m | 59.0% |
| Oneida County | 78 | 20 | $1.9m | 60.0% |
| Oswego County | 116 | 15 | $1.7m | 77.0% |
| Sullivan County | 47 | 14 | $1.5m | 54.8% |
| Ontario County | 72 | 11 | $865k | 77.1% |
| Tioga County | 54 | 11 | $1.1m | 72.5% |
| Niagara County | 53 | 10 | $730k | 68.8% |
| Chautauqua County | 50 | 10 | $1.2m | 69.7% |
| Chenango County | 35 | 10 | $1.1m | — |
| Orange County | 89 | 9 | $975k | 85.5% |
| Suffolk County | 65 | 9 | $1.5m | 80.9% |
| Herkimer County | 31 | 9 | $1.0m | — |
| Montgomery County | 25 | 9 | $1.1m | — |
| Clinton County | 50 | 8 | $900k | 76.3% |
| Ulster County | 45 | 8 | $580k | — |
| Orleans County | 35 | 8 | $730k | 66.7% |
| Jefferson County | 28 | 8 | $830k | — |
| Onondaga County | 40 | 7 | $755k | — |
| Cattaraugus County | 40 | 7 | $595k | — |
| Fulton County | 38 | 7 | $635k | 78.1% |
| Cayuga County | 38 | 7 | $755k | — |
| Rensselaer County | 33 | 7 | $585k | — |
| Madison County | 26 | 7 | $715k | — |
| Steuben County | 26 | 6 | $720k | — |
| Genesee County | 26 | 5 | $615k | — |
| Livingston County | 34 | 4 | $1.4m | — |
| Washington County | 38 | 2 | $190k | 92.0% |
| Wayne County | 36 | 2 | $320k | — |
| Otsego County | 33 | 2 | $170k | — |
| Dutchess County | 26 | 2 | $250k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in New York in 2024?
386 loans totalling $42m, from 2,070 applications reported for properties in New York.
What is 21st Mortgage's denial rate in New York?
69.6% of decided applications in New York were denied, against 25.4% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: Saratoga County (43), Rockland County (33), Erie County (21), Oneida County (20), Oswego County (15).
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.