Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in Kingston, NY
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
Kingston, NY HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| 20% to 29% | 88 | 26% |
| 30% to 35% | 93 | 17% |
| 36% to 42% | 127 | 15% |
| 43% to 49% | 145 | 24% |
| 50% to 60% | 132 | 29% |
| Over 60% | 150 | 89% |
If you were denied a HELOC in Kingston, NY
3 of the six major home equity investment providers list New York as a service area: Hometap, Point, Unison. See which could fit you.
Compare a HELOC, home equity loan, cash-out refinance, and home equity investment side by side, with your own approval odds, in the home equity options tool. A HELOC like the typical 2025 loan here would start around 6.38% at today’s prime rate.
State rules: New York.
Other metro areas in New York
New York, NY-NJ (45%) · Nassau County, NY (44%) · Kiryas Joel, NY (36%) · Rochester, NY (22%) · Buffalo, NY (32%) · Albany, NY (30%) · All 358 metro areas
Questions
What is the HELOC denial rate in Kingston, NY?
Lenders denied 37.3% of the 796 HELOC applications they decided in the Kingston, NY metro area in 2025, above the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in Kingston, NY?
The most common first reason lenders gave was debt-to-income ratio (48% of denials with a reason reported).
What is a typical HELOC rate in Kingston, NY?
The median starting rate on HELOCs opened in the Kingston, NY area in 2025 was 6.75%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 6.38%. Your rate depends on your credit, equity, and lender.
Source: FFIEC / CFPB HMDA data, 2025, second-lien HELOCs and home equity loans with a credit decision, by the metro area HMDA assigns. Metro names: U.S. Census Bureau. Free to use with attribution (CC BY 4.0). Methodology: HELOC denial data.
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