Evans Bank in New York vs the state
18.8%Denial rate-0.92 pts vs state
21.0%Decision denial rate-3.03 pts vs state
67.5%Origination rate+7.94 pts vs state
6.75%Median rate+0.13 pts vs state
0.13Rate spread (pts)-0.08 pts vs state
$83kMedian applicant income
104Loans originated
29Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 618 | 461 | 12.8% | 7.38% | #101 |
| 2024 | 563 | 438 | 12.8% | — | #110 |
| 2025 | 154 | 104 | 18.8% | 6.75% | #230 |
What Evans 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 Evans Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 97 | 65 | 16 | 16.5% |
| Monroe County | 23 | 14 | 7 | 30.4% |
| Niagara County | 19 | 15 | 2 | 10.5% |
| Chautauqua County | 5 | 4 | 1 | 20.0% |
| Orleans County | 2 | 2 | 0 | 0.0% |
| Steuben County | 1 | 0 | 1 | 100.0% |
| Cayuga County | 1 | 0 | 1 | 100.0% |
| Allegany County | 1 | 1 | 0 | 0.0% |
| Genesee County | 1 | 1 | 0 | 0.0% |
| Ontario 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: 154 applications in 2025, of which 104 were originated and 29 denied.
18.8% of all applications, or 21.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Evans Bank originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Evans 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