2025 activity year · MSA/MD source proof
New York metro mortgage market
Reported metropolitan mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, using the published MSA/MD geography and excluding purchased loans.
Activity year
2025
Action taken
What happened to applications?
Originated53.9% · 92,322
Approved, not accepted3.1% · 5,240
Denied19.6% · 33,544
Withdrawn15.6% · 26,744
File closed for incompleteness7.6% · 13,047
Preapproval denied0.0% · 55
Preapproval approved, not accepted0.2% · 288
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
47%Home purchase
- Home purchase47.3%
- Home improvement11.9%
- Other purpose11.5%
- Not applicable0.0%
- Refinancing13.6%
- Cash-out refinancing15.7%
Next source gate
Metro denial reasons are not published yet.
Metro-level reason analysis requires a separate row-level reconciliation and privacy review. These overview pages do not substitute county reasons or estimates.
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Data provenance
New York-Jersey City-White Plains, NY-NJ Metropolitan Division
MSA/MD 35614 · OMB Bulletin 23-01. 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.