First National Bank of Scotia in New York vs the state
12.5%Denial rate-7.25 pts vs state
13.8%Decision denial rate-10.20 pts vs state
77.3%Origination rate+17.68 pts vs state
—Median rate
—Rate spread (pts)
$117kMedian applicant income
136Loans originated
22Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 162 | 132 | 8.6% | — | #219 |
| 2024 | 176 | 142 | 9.7% | — | #211 |
| 2025 | 176 | 136 | 12.5% | — | #219 |
What First National Bank of Scotia lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most First National Bank of Scotia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Schenectady County | 88 | 65 | 13 | 14.8% |
| Saratoga County | 36 | 31 | 3 | 8.3% |
| Albany County | 24 | 20 | 2 | 8.3% |
| Rensselaer County | 8 | 4 | 3 | 37.5% |
| Montgomery County | 5 | 4 | 1 | 20.0% |
| Washington County | 5 | 3 | 0 | 0.0% |
| Fulton County | 4 | 3 | 0 | 0.0% |
| Warren County | 3 | 3 | 0 | 0.0% |
| Schoharie County | 1 | 1 | 0 | 0.0% |
| Hamilton 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: 176 applications in 2025, of which 136 were originated and 22 denied.
12.5% of all applications, or 13.8% 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 First National Bank of Scotia'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