Pioneer Bank in New York vs the state
22.5%Denial rate+2.72 pts vs state
24.6%Decision denial rate+0.55 pts vs state
64.9%Origination rate+5.31 pts vs state
5.99%Median rate-0.63 pts vs state
-1.26Rate spread (pts)-1.47 pts vs state
$108kMedian applicant income
257Loans originated
89Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 476 | 310 | 23.7% | — | #117 |
| 2024 | 347 | 224 | 26.2% | — | #155 |
| 2025 | 396 | 257 | 22.5% | 5.99% | #154 |
What Pioneer 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 Pioneer Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Albany County | 131 | 85 | 32 | 24.4% |
| Rensselaer County | 87 | 61 | 17 | 19.5% |
| Saratoga County | 64 | 36 | 13 | 20.3% |
| Schenectady County | 45 | 33 | 6 | 13.3% |
| Columbia County | 18 | 14 | 4 | 22.2% |
| Greene County | 16 | 11 | 5 | 31.3% |
| Warren County | 13 | 7 | 1 | 7.7% |
| Fulton County | 8 | 3 | 4 | 50.0% |
| Washington County | 6 | 4 | 2 | 33.3% |
| Montgomery County | 4 | 2 | 2 | 50.0% |
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: 396 applications in 2025, of which 257 were originated and 89 denied.
22.5% of all applications, or 24.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Pioneer Bank originated in New York in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Pioneer 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