# BNY Mellon, National Association

> **Canonical URL:** https://saferate.com/lenders/bny-mellon-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BNY Mellon, National Association is a bank, headquartered in Pittsburgh, PA, serving borrowers across 36 states, with 266 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 4EP6JBYBTPTQ47LZOB67
- **Headquarters:** Pittsburgh, PA
- **Geographic Reach:** Near-National
- **States Served:** 36
- **State List:** AL, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NM, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.201%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $969
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 266
- **Dollar Volume:** $288 million
- **Applications Received:** 343
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $1,083,383
- **Average Borrower Income:** $734,771
- **Average Property Value:** $1,761,353

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 121 | -0.264% | $966 | Acceptable 🙂 |
| Jumbo | 78/100 | 145 | -0.137% | $971 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 115 loans, Score: 33/100 (Acceptable)

**Jumbo:**
- Purchase: 126 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 241 | $255M | -0.191% | Sound ☺️ |
| Refinance | 30/100 | 25 | $33M | -0.394% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 31 | 0.03% | 53/100 |
| MA | 26 | 0.04% | 51/100 |
| CA | 24 | 0.01% | 46/100 |
| FL | 23 | 0.01% | 45/100 |
| PA | 15 | 0.01% | 44/100 |
| GA | 14 | 0.01% | 43/100 |
| CO | 13 | 0.02% | 43/100 |
| NJ | 12 | 0.01% | 42/100 |
| NC | 11 | 0.01% | 40/100 |
| IL | 10 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 26 | 53/100 |
| Non |  | 26 | 35/100 |
| Boston, MA | MA | 15 | 48/100 |

## Frequently Asked Questions

### What loan types does BNY Mellon, National Association offer?

BNY Mellon, National Association offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BNY Mellon, National Association offer mortgages?

BNY Mellon, National Association offers mortgages in 36 states: AL, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NM, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV.

### How competitive are BNY Mellon, National Association's mortgage rates?

BNY Mellon, National Association has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.201% below market average.

### What type of lender is BNY Mellon, National Association?

BNY Mellon, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Pittsburgh, PA.

### What is BNY Mellon, National Association's loan approval success rate?

BNY Mellon, National Association has a pull-through score of 40/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bny-mellon-national-association

### How to Cite

> "BNY Mellon, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bny-mellon-national-association

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