Presidential Bank in New York vs the state
6.8%Denial rate-12.98 pts vs state
12.5%Decision denial rate-11.54 pts vs state
46.6%Origination rate-12.97 pts vs state
6.50%Median rate-0.13 pts vs state
0.27Rate spread (pts)+0.06 pts vs state
$162kMedian applicant income
62Loans originated
9Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 6.99% | #506 |
| 2024 | 14 | 7 | 0.0% | 6.88% | #423 |
| 2025 | 133 | 62 | 6.8% | 6.50% | #241 |
What Presidential 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 Presidential Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nassau County | 28 | 8 | 1 | 3.6% |
| Queens County | 21 | 8 | 2 | 9.5% |
| Kings County | 14 | 5 | 2 | 14.3% |
| Suffolk County | 14 | 7 | 1 | 7.1% |
| Westchester County | 13 | 10 | 0 | 0.0% |
| Richmond County | 8 | 4 | 1 | 12.5% |
| Bronx County | 7 | 2 | 0 | 0.0% |
| Saratoga County | 4 | 4 | 0 | 0.0% |
| Orange County | 3 | 2 | 0 | 0.0% |
| New York County | 3 | 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: 133 applications in 2025, of which 62 were originated and 9 denied.
6.8% of all applications, or 12.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Presidential Bank originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Presidential 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