BNY Mellon, National Association
BNY Mellon, National Association received 659 applications in 2025 and made 527 mortgages, in 239 counties across 45 states. The median rate its borrowers got was 5.875% on a median loan of $1,005,000. Of 584 decisions, 41 were denials — 7.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 4EP6JBYBTPTQ47LZOB67 |
|---|---|
| Applications received | 659 |
| Mortgages made | 527 |
| Denied | 41 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 75 |
| Loans bought from other lenders | 17 |
| Median rate spread over the prime offer rate | -0.184 points |
| FDIC-insured bank | Yes: BNY Mellon, National Association, 31 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 315 | 5.875% | $1,005,000 | 4.4% |
| Refinancing | 75 | 5.750% | $1,075,000 | 14.8% |
| Other purposes | 137 | 5.750% | $865,000 | 8.4% |
Where BNY Mellon, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 16 | 5.625% | 5.0% |
| New York County, NY | 16 | 5.625% | 5.9% |
| Western Connecticut Planning Region, CT | 12 | 6.063% | 0.0% |
| Fulton County, GA | 11 | 5.625% | 14.3% |
| Westchester County, NY | 11 | 5.750% | 8.3% |
| Palm Beach County, FL | 10 | 6.250% | 15.4% |
| Essex County, MA | 10 | 6.063% | 0.0% |
| Middlesex County, MA | 10 | 6.063% | 0.0% |
| Barnstable County, MA | 9 | Under 10 loans | 0.0% |
| Beaufort County, SC | 9 | Under 10 loans | 0.0% |
| King County, WA | 9 | Under 10 loans | 0.0% |
| Orange County, CA | 8 | Under 10 loans | 11.1% |
| Cook County, IL | 8 | Under 10 loans | 10.0% |
| Suffolk County, MA | 7 | Under 10 loans | 12.5% |
| San Diego County, CA | 6 | Under 10 loans | 0.0% |
| District of Columbia, DC | 6 | Under 10 loans | 14.3% |
| Miami-Dade County, FL | 6 | Under 10 loans | 33.3% |
| Allegheny County, PA | 6 | Under 10 loans | 0.0% |
| San Francisco County, CA | 5 | Under 10 loans | 16.7% |
| Collier County, FL | 5 | Under 10 loans | 0.0% |
| Suffolk County, NY | 5 | Under 10 loans | 14.3% |
| Charleston County, SC | 5 | Under 10 loans | 16.7% |
| Williamson County, TN | 5 | Under 10 loans | 0.0% |
| Harris County, TX | 5 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 4 | Under 10 loans | 20.0% |
| Boulder County, CO | 4 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 4 | Under 10 loans | 0.0% |
| Walton County, FL | 4 | Under 10 loans | 0.0% |
| Chatham County, GA | 4 | Under 10 loans | 0.0% |
| Cumberland County, ME | 4 | Under 10 loans | 0.0% |
| Plymouth County, MA | 4 | Under 10 loans | 0.0% |
| Hennepin County, MN | 4 | Under 10 loans | 0.0% |
| Clark County, NV | 4 | Under 10 loans | 20.0% |
| Travis County, TX | 4 | Under 10 loans | 0.0% |
| Fairfax County, VA | 4 | Under 10 loans | 0.0% |
| Marin County, CA | 3 | Under 10 loans | 0.0% |
| Monterey County, CA | 3 | Under 10 loans | 0.0% |
| Riverside County, CA | 3 | Under 10 loans | 0.0% |
| San Mateo County, CA | 3 | Under 10 loans | 0.0% |
| Sonoma County, CA | 3 | Under 10 loans | 0.0% |
| Jefferson County, CO | 3 | Under 10 loans | 0.0% |
| Broward County, FL | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 3 | Under 10 loans | 25.0% |
| Manatee County, FL | 3 | Under 10 loans | 0.0% |
| Martin County, FL | 3 | Under 10 loans | 0.0% |
| Pinellas County, FL | 3 | Under 10 loans | 0.0% |
| Blaine County, ID | 3 | Under 10 loans | 0.0% |
| Lake County, IL | 3 | Under 10 loans | 0.0% |
| Montgomery County, MD | 3 | Under 10 loans | 0.0% |
| Dukes County, MA | 3 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.