Ally Bank in New York vs the state
26.7%Denial rate+6.92 pts vs state
38.1%Decision denial rate+14.06 pts vs state
43.3%Origination rate-16.26 pts vs state
6.50%Median rate-0.13 pts vs state
0.44Rate spread (pts)+0.23 pts vs state
$131kMedian applicant income
13Loans originated
8Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 86 | 14.4% | 6.38% | #174 |
| 2024 | 250 | 90 | 10.4% | 6.63% | #183 |
| 2025 | 30 | 13 | 26.7% | 6.50% | #376 |
What Ally 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 Ally Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 4 | 2 | 1 | 25.0% |
| Warren County | 3 | 1 | 1 | 33.3% |
| Kings County | 3 | 2 | 0 | 0.0% |
| Westchester County | 2 | 1 | 0 | 0.0% |
| Niagara County | 2 | 0 | 2 | 100.0% |
| Orange County | 2 | 0 | 1 | 50.0% |
| New York County | 2 | 0 | 1 | 50.0% |
| Nassau County | 2 | 2 | 0 | 0.0% |
| Queens County | 2 | 0 | 0 | 0.0% |
| Ulster County | 1 | 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: 30 applications in 2025, of which 13 were originated and 8 denied.
26.7% of all applications, or 38.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Ally Bank originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Ally 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