Anyone can pay the fee to file for a UDRP. When it comes to generic keywords like New York Mortgage, one company cannot have a monopoly on all the mortgages in New York, therefore it would be difficult for them to get a TM on that term. Generally speaking, typo's of generic terms are acceptable.
The problem is domains which are registered solely to steal or divert traffic, like typo's of G00gle, or Facebook. These are true cybersquatter domains.