Community Bank in New York vs the state
16.0%Denial rate-3.80 pts vs state
18.7%Decision denial rate-5.39 pts vs state
69.1%Origination rate+9.50 pts vs state
7.00%Median rate+0.38 pts vs state
0.65Rate spread (pts)+0.44 pts vs state
$90kMedian applicant income
3,851Loans originated
889Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,889 | 4,270 | 15.0% | 7.00% | #13 |
| 2024 | 5,658 | 4,175 | 14.3% | 7.63% | #15 |
| 2025 | 5,574 | 3,851 | 16.0% | 7.00% | #16 |
What Community 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 Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chautauqua County | 387 | 265 | 65 | 16.8% |
| Clinton County | 344 | 266 | 28 | 8.1% |
| Erie County | 304 | 203 | 63 | 20.7% |
| St. Lawrence County | 289 | 184 | 52 | 18.0% |
| Cattaraugus County | 268 | 179 | 51 | 19.0% |
| Allegany County | 266 | 171 | 50 | 18.8% |
| Oneida County | 258 | 184 | 41 | 15.9% |
| Jefferson County | 221 | 158 | 33 | 14.9% |
| Monroe County | 192 | 123 | 34 | 17.7% |
| Steuben County | 177 | 122 | 27 | 15.3% |
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: 5,574 applications in 2025, of which 3,851 were originated and 889 denied.
16.0% of all applications, or 18.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Community Bank originated in New York in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Community 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