Bank of Holland in New York vs the state
21.4%Denial rate+1.68 pts vs state
22.7%Decision denial rate-1.35 pts vs state
72.2%Origination rate+12.63 pts vs state
—Median rate
—Rate spread (pts)
$111kMedian applicant income
91Loans originated
27Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 155 | 117 | 14.8% | — | #223 |
| 2024 | 140 | 107 | 17.1% | — | #227 |
| 2025 | 126 | 91 | 21.4% | — | #248 |
What Bank of Holland lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Bank of Holland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 74 | 59 | 11 | 14.9% |
| Cattaraugus County | 22 | 10 | 10 | 45.5% |
| Wyoming County | 20 | 16 | 3 | 15.0% |
| Niagara County | 6 | 4 | 1 | 16.7% |
| Genesee County | 2 | 1 | 1 | 50.0% |
| Allegany County | 2 | 1 | 1 | 50.0% |
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: 126 applications in 2025, of which 91 were originated and 27 denied.
21.4% of all applications, or 22.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Holland'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