Adirondack Bank in New York vs the state
15.3%Denial rate-4.45 pts vs state
18.8%Decision denial rate-5.22 pts vs state
62.3%Origination rate+2.73 pts vs state
6.75%Median rate+0.13 pts vs state
0.39Rate spread (pts)+0.18 pts vs state
$96kMedian applicant income
220Loans originated
54Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 478 | 346 | 15.3% | 5.75% | #116 |
| 2024 | 364 | 237 | 13.2% | 6.75% | #148 |
| 2025 | 353 | 220 | 15.3% | 6.75% | #161 |
What Adirondack Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Adirondack Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oneida County | 205 | 132 | 24 | 11.7% |
| Herkimer County | 84 | 56 | 16 | 19.0% |
| Essex County | 15 | 6 | 3 | 20.0% |
| Franklin County | 12 | 8 | 1 | 8.3% |
| Hamilton County | 9 | 4 | 4 | 44.4% |
| Madison County | 5 | 3 | 0 | 0.0% |
| Onondaga County | 5 | 4 | 1 | 20.0% |
| Lewis County | 4 | 1 | 1 | 25.0% |
| Oswego County | 3 | 1 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 353 applications in 2025, of which 220 were originated and 54 denied.
15.3% of all applications, or 18.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Adirondack Bank originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Adirondack Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology