Ixonia Bank in New York vs the state
3.7%Denial rate-16.07 pts vs state
5.3%Decision denial rate-18.78 pts vs state
66.3%Origination rate+6.67 pts vs state
6.75%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.30 pts vs state
$124kMedian applicant income
108Loans originated
6Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 3 | 0.0% | 7.25% | #494 |
| 2024 | 80 | 51 | 7.5% | 6.88% | #286 |
| 2025 | 163 | 108 | 3.7% | 6.75% | #226 |
What Ixonia 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 Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 53 | 40 | 0 | 0.0% |
| Nassau County | 16 | 9 | 3 | 18.8% |
| Chemung County | 14 | 9 | 1 | 7.1% |
| Tioga County | 14 | 14 | 0 | 0.0% |
| Kings County | 9 | 7 | 0 | 0.0% |
| Broome County | 7 | 2 | 1 | 14.3% |
| Erie County | 6 | 3 | 0 | 0.0% |
| Westchester County | 6 | 4 | 0 | 0.0% |
| Ulster County | 4 | 1 | 0 | 0.0% |
| St. Lawrence County | 4 | 3 | 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: 163 applications in 2025, of which 108 were originated and 6 denied.
3.7% of all applications, or 5.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Ixonia Bank originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Ixonia 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