Five Star Bank in New York vs the state
10.7%Denial rate-9.10 pts vs state
12.7%Decision denial rate-11.30 pts vs state
71.0%Origination rate+11.40 pts vs state
6.75%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.32 pts vs state
$84kMedian applicant income
700Loans originated
105Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,434 | 1,029 | 15.3% | 6.75% | #53 |
| 2024 | 992 | 720 | 12.4% | 6.88% | #81 |
| 2025 | 986 | 700 | 10.7% | 6.75% | #92 |
What Five Star 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 Five Star Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erie County | 310 | 216 | 30 | 9.7% |
| Monroe County | 151 | 112 | 15 | 9.9% |
| Ontario County | 68 | 58 | 3 | 4.4% |
| Cattaraugus County | 66 | 45 | 11 | 16.7% |
| Wyoming County | 62 | 50 | 10 | 16.1% |
| Livingston County | 49 | 39 | 1 | 2.0% |
| Niagara County | 48 | 33 | 3 | 6.3% |
| Genesee County | 40 | 25 | 8 | 20.0% |
| Steuben County | 35 | 19 | 5 | 14.3% |
| Allegany County | 29 | 17 | 7 | 24.1% |
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: 986 applications in 2025, of which 700 were originated and 105 denied.
10.7% of all applications, or 12.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Five Star Bank originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Five Star 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