Provident Bank in New York vs the state
20.5%Denial rate+0.70 pts vs state
23.4%Decision denial rate-0.66 pts vs state
63.6%Origination rate+4.05 pts vs state
6.25%Median rate-0.38 pts vs state
-0.05Rate spread (pts)-0.26 pts vs state
$291kMedian applicant income
56Loans originated
18Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 51 | 14.7% | 6.45% | #287 |
| 2024 | 115 | 46 | 37.4% | 7.05% | #249 |
| 2025 | 88 | 56 | 20.5% | 6.25% | #285 |
What Provident 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 Provident Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 19 | 8 | 5 | 26.3% |
| Kings County | 12 | 9 | 2 | 16.7% |
| Queens County | 11 | 7 | 1 | 9.1% |
| Nassau County | 10 | 5 | 5 | 50.0% |
| Bronx County | 8 | 7 | 1 | 12.5% |
| Rockland County | 8 | 5 | 1 | 12.5% |
| Westchester County | 7 | 5 | 2 | 28.6% |
| New York County | 5 | 5 | 0 | 0.0% |
| Richmond County | 3 | 3 | 0 | 0.0% |
| Ulster County | 3 | 2 | 1 | 33.3% |
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: 88 applications in 2025, of which 56 were originated and 18 denied.
20.5% of all applications, or 23.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Provident Bank originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Provident 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