Finance Atlas

Banking & Mortgage-Lending Access in New York

780 FDIC-insured institutions (118 currently active) are recorded in New York in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 26.3% in New York.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

780
FDIC institutions (total)
118
Currently active
26.3%
Overall denial rate (HMDA 2024)
208,787
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in New York?

FDIC BankFind records 780 FDIC-insured institutions (all historical) in New York, of which 118 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 780
Currently active 118

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in New York?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for New York:

Charter class Description Count
N National bank (OCC-chartered) 214
NM State non-member bank (Fed non-member) 136
SL Savings institution (state-chartered S&L) 104
SI Savings institution (OTS-supervised) 100
SM State member bank (Fed member) 89
SB Savings bank (state-chartered) 81
NC Non-deposit trust company 36
OI Other insured institution 19
NS Non-member savings bank (state-chartered) 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in New York? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 26.3% in New York. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 26.3%
White applicants 23.4%
Black applicants 40.7%
Black/White denial rate ratio 1.74x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=NY

Mortgage origination volume in New York (2024)

HMDA 2024 data record 208,787 originated mortgage loans in New York , totaling $93.0B , with an average loan size of $445,561.

Metric Value
Originated loans (2024) 208,787
Total origination volume $93.0B
Average loan size $445,561

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=NY

Data exported June 20, 2026 · content hash dc8a02ff3cc10cf4 · machine-readable brief: /finance/states/ny/context.md

Where to act