2025 activity year · Official source proof
New York mortgage market
Reported mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated58.9% · 232,239
Approved, not accepted2.8% · 10,961
Denied19.5% · 76,984
Withdrawn12.1% · 47,782
File closed for incompleteness5.5% · 21,791
Preapproval denied0.1% · 434
Preapproval approved, not accepted1.0% · 3,845
“Originated” means the reported application resulted in a loan. It is not an approval probability for a future applicant.
Loan purpose
Why people applied
45%Home purchase
- Home purchase44.9%
- Home improvement15.5%
- Other purpose12.8%
- Not applicable0.0%
- Refinancing12.2%
- Cash-out refinancing14.6%
County source proof
Go one level deeper.
County profiles use the same two activity years and application denominator, with an additional minimum-cell publication gate.
Next source gate
Denial reasons are not published yet.
That analysis requires the raw modified-LAR pipeline, reason-code reconciliation, and small-cell review. We will not fill the gap with estimates or unsupported conclusions.
Need help understanding a mortgage decision?
Find official helpA HUD-approved housing counselor can offer independent guidance based on your circumstances.
Data provenance
Every published number will carry its source.
This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.