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CBNA Year to Date in New York

HMDA record for properties in New York, calendar year 2024. National record · New York overview

LEI DRMSV1Q0EKMEXLAU1P80
Reporting agency Consumer Financial Protection Bureau
State New York

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, CBNA Year to Date reported 16,559 applications and 8,689 originations for 2024, $3.4bn in all.

Its denial rate in the state was 39.2%, above the New York rate of 25.4% across all lenders and compared with the lender's national rate of 35.2%.

The median rate spread on its New York originations was 1.1 percentage points (state median 0.3).

Applications in the state were down 13% on 2023.

16,559applications in NY, 202416.7% of the lender's total
8,689loans originated$3.4bn
39.2%denial rateNY all lenders 25.4%
1.1 ppmedian rate spreadNY 0.3 pp

Compared with the state and the lender's national record

MeasureIn New YorkNew York, all lendersCBNA Year to Date, all statesUnited States
Denial rate39.2%25.4%35.2%24.3%
Median rate spread, pp1.10.30.70.3
Originations with spread of 1.5 pp or more37.2%15.0%27.4%15.6%
Average originated loan$392k$446k$272k$329k
Home purchase share28.1%55.3%19.0%57.0%
FHA-insured share1.1%7.4%1.2%13.4%
VA-guaranteed share0.2%2.4%0.3%7.9%

Trend by year

ApplicationsOriginations

013441.526,8832022: 26,883 Applications2023: 19,138 Applications2024: 16,559 Applications2022: 14,146 Originations2023: 9,211 Originations2024: 8,689 Originations202220232024
CBNA Year to Date in New York: applications and originations, 2022–2024

This lender in stateNew York, all lenders

0%22.6%45.2%2022: 39% This lender in state2023: 45.2% This lender in state2024: 39.2% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in New York

By purpose

Home purchase 28% (2,441)Home improvement 27% (2,317)Refinancing 21% (1,815)Cash-out refinancing 3% (231)Other purpose 22% (1,885)

By type

Conventional 99% (8,580)FHA 1% (92)VA 0% (17)

Denial reasons as coded

Debt-to-income ratio55.8%
Collateral21.1%
Credit history17.6%
Other2.4%
Unverifiable information1.5%
Employment history0.8%
Insufficient cash (downpayment, closing costs)0.6%
Credit application incomplete0.2%
Mortgage insurance denied0%

Share of 5,791 denials in New York by first denial reason coded (outlined bar: all lenders in the state).

Counties in New York

CountyApplicationsOriginationsAmountDenial rate
Erie County1,7781,005$143m32.9%
Suffolk County1,669935$490m37.0%
Nassau County1,575902$439m35.1%
Kings County1,907896$637m45.4%
Westchester County1,213730$347m31.7%
Queens County1,328613$218m48.2%
Monroe County1,017529$66m37.4%
New York County845496$596m27.2%
Orange County477261$52m39.7%
Rockland County492248$76m43.1%
Richmond County417205$53m43.9%
Albany County382190$30m40.7%
Niagara County309172$21m33.5%
Onondaga County337168$22m39.6%
Bronx County421140$34m62.3%
Dutchess County255138$28m37.7%
Saratoga County196117$19m31.5%
Rensselaer County17991$9.9m39.4%
Ulster County15379$18m40.4%
Broome County13573$6.5m38.2%
Wayne County13167$6.7m38.9%
Schenectady County10553$6.4m41.9%
Ontario County8750$9.9m30.7%
Oneida County10448$5.5m44.9%
Putnam County9448$13m37.6%
Warren County7040$7.0m32.8%
Sullivan County7839$8.1m45.8%
Columbia County5627$7.5m38.8%
Fulton County5123$2.4m46.5%
Washington County4021$2.0m41.7%
Madison County4317$2.5m52.8%
Chautauqua County4117$2.6m51.4%
Greene County3916$4.2m55.6%
Tompkins County3315$2.1m44.8%
Livingston County2515$1.9m—
Otsego County3012$1.7m52.0%
Herkimer County3911$805k64.5%
Cattaraugus County3311$1.5m55.6%
Oswego County3110$870k59.3%
Montgomery County279$445k57.7%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did CBNA Year to Date originate in New York in 2024?

8,689 loans totalling $3.4bn, from 16,559 applications reported for properties in New York.

What is CBNA Year to Date's denial rate in New York?

39.2% of decided applications in New York were denied, against 25.4% for all lenders in the state and 35.2% 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 CBNA Year to Date lend in most?

By originations: Erie County (1,005), Suffolk County (935), Nassau County (902), Kings County (896), Westchester County (730).

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.