Farmers Bank & Trust in New York vs the state
5.2%Denial rate-14.55 pts vs state
15.0%Decision denial rate-9.04 pts vs state
23.1%Origination rate-36.47 pts vs state
6.25%Median rate-0.38 pts vs state
-0.36Rate spread (pts)-0.57 pts vs state
$242kMedian applicant income
40Loans originated
9Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 114 | 38 | 2.6% | 6.25% | #253 |
| 2024 | 122 | 41 | 14.8% | 6.38% | #240 |
| 2025 | 173 | 40 | 5.2% | 6.25% | #221 |
What Farmers Bank & Trust lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westchester County | 21 | 6 | 0 | 0.0% |
| Nassau County | 21 | 8 | 1 | 4.8% |
| Kings County | 20 | 3 | 0 | 0.0% |
| Suffolk County | 18 | 3 | 1 | 5.6% |
| Queens County | 17 | 4 | 1 | 5.9% |
| New York County | 17 | 0 | 3 | 17.6% |
| Orange County | 6 | 2 | 0 | 0.0% |
| Bronx County | 6 | 2 | 0 | 0.0% |
| Rockland County | 5 | 0 | 0 | 0.0% |
| Ulster County | 4 | 1 | 1 | 25.0% |
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: 173 applications in 2025, of which 40 were originated and 9 denied.
5.2% of all applications, or 15.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Farmers Bank & Trust originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Farmers Bank & Trust'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