Ontario Shores in New York vs the state
18.5%Denial rate-1.29 pts vs state
19.7%Decision denial rate-4.37 pts vs state
74.9%Origination rate+15.28 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$91kMedian applicant income
146Loans originated
36Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 149 | 8.1% | 6.50% | #215 |
| 2024 | 187 | 174 | 6.4% | 7.65% | #209 |
| 2025 | 195 | 146 | 18.5% | 7.50% | #207 |
What Ontario Shores lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Ontario Shores applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Niagara County | 114 | 82 | 19 | 16.7% |
| Orleans County | 69 | 54 | 15 | 21.7% |
| Erie County | 10 | 8 | 2 | 20.0% |
| Genesee County | 2 | 2 | 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: 195 applications in 2025, of which 146 were originated and 36 denied.
18.5% of all applications, or 19.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Ontario Shores originated in New York in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Ontario Shores'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