CNB Bank in New York vs the state
17.0%Denial rate-2.75 pts vs state
19.1%Decision denial rate-4.93 pts vs state
70.6%Origination rate+11.05 pts vs state
6.00%Median rate-0.63 pts vs state
-0.55Rate spread (pts)-0.76 pts vs state
$130kMedian applicant income
320Loans originated
77Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 433 | 315 | 21.5% | 8.00% | #126 |
| 2024 | 396 | 296 | 15.4% | 8.00% | #142 |
| 2025 | 453 | 320 | 17.0% | 6.00% | #142 |
What CNB 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 CNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 324 | 233 | 53 | 16.4% |
| Niagara County | 54 | 33 | 12 | 22.2% |
| Cattaraugus County | 19 | 15 | 4 | 21.1% |
| Genesee County | 15 | 10 | 3 | 20.0% |
| Chautauqua County | 11 | 9 | 1 | 9.1% |
| Monroe County | 6 | 4 | 0 | 0.0% |
| Wyoming County | 4 | 3 | 0 | 0.0% |
| Steuben County | 4 | 1 | 1 | 25.0% |
| Ontario County | 3 | 3 | 0 | 0.0% |
| Orleans 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: 453 applications in 2025, of which 320 were originated and 77 denied.
17.0% of all applications, or 19.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans CNB Bank originated in New York in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are CNB 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