Old Second National Bank in New York vs the state
36.6%Denial rate+16.84 pts vs state
50.0%Decision denial rate+25.96 pts vs state
36.6%Origination rate-23.00 pts vs state
—Median rate
—Rate spread (pts)
$68kMedian applicant income
15Loans originated
15Denied
What Old Second National Bank lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most Old Second National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saratoga County | 7 | 4 | 3 | 42.9% |
| Rensselaer County | 5 | 1 | 2 | 40.0% |
| Dutchess County | 4 | 2 | 0 | 0.0% |
| Oneida County | 3 | 1 | 1 | 33.3% |
| Ulster County | 3 | 0 | 2 | 66.7% |
| Genesee County | 3 | 0 | 2 | 66.7% |
| Suffolk County | 3 | 1 | 2 | 66.7% |
| Erie County | 2 | 0 | 1 | 50.0% |
| Albany County | 2 | 0 | 1 | 50.0% |
| Niagara County | 2 | 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: 41 applications in 2025, of which 15 were originated and 15 denied.
36.6% of all applications, or 50.0% 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 Old Second National 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