Ponce Bank in New York vs the state
12.2%Denial rate-7.53 pts vs state
15.7%Decision denial rate-8.33 pts vs state
64.4%Origination rate+4.85 pts vs state
—Median rate
—Rate spread (pts)
$128kMedian applicant income
58Loans originated
11Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 298 | 184 | 17.8% | — | #163 |
| 2024 | 168 | 113 | 13.1% | — | #213 |
| 2025 | 90 | 58 | 12.2% | — | #280 |
What Ponce 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 Ponce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Queens County | 31 | 22 | 4 | 12.9% |
| Kings County | 14 | 5 | 3 | 21.4% |
| Nassau County | 13 | 11 | 0 | 0.0% |
| Bronx County | 10 | 6 | 1 | 10.0% |
| Broome County | 5 | 3 | 1 | 20.0% |
| Westchester County | 5 | 4 | 1 | 20.0% |
| Richmond County | 3 | 1 | 0 | 0.0% |
| Monroe County | 2 | 2 | 0 | 0.0% |
| Suffolk County | 2 | 2 | 0 | 0.0% |
| Greene County | 2 | 0 | 1 | 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: 90 applications in 2025, of which 58 were originated and 11 denied.
12.2% of all applications, or 15.7% 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 Ponce 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