Pathfinder Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
47th10.4% deniedProcesswithdrawn + incomplete share, weight 15%
78th5.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 244 | 189 | 12.7% | 13.5% | 6.88% | $41M |
| 2024 | 188 | 140 | 9.6% | 10.9% | — | $34M |
| 2025 | 234 | 184 | 9.8% | 10.4% | — | $56M |
What Pathfinder Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 17 manufactured homes, 34 investment properties.
Who gets approved at Pathfinder Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 41 | 25 | 23.1% |
| $50k – $100k | 84 | 67 | 10.0% |
| $100k – $150k | 33 | 26 | 6.7% |
| $150k – $250k | 33 | 29 | 9.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 51 | 42 | 10.4% |
| 35–44 | 37 | 29 | 11.4% |
| 45–54 | 48 | 32 | 15.6% |
| 55–64 | 37 | 31 | 8.6% |
| 65–74 | 22 | 16 | 9.5% |
Where Pathfinder Bank lends
4 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 230 | 180 | 10.0% | — | #193 |
Frequently asked questions
Pathfinder Bank denied 10.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 47th percentile of small mortgage lenders.
In 2025, 56% of its applications were for home purchases, 22% for refinancing (including cash-out), and 22% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.