Savannah Bank in New York vs the state
18.4%Denial rate-1.33 pts vs state
25.0%Decision denial rate+0.96 pts vs state
55.3%Origination rate-4.33 pts vs state
—Median rate
—Rate spread (pts)
$95kMedian applicant income
21Loans originated
7Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 53 | 18.5% | — | #276 |
| 2024 | 46 | 39 | 6.5% | — | #329 |
| 2025 | 38 | 21 | 18.4% | — | #360 |
What Savannah 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 Savannah Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cayuga County | 17 | 12 | 4 | 23.5% |
| Monroe County | 10 | 2 | 2 | 20.0% |
| Onondaga County | 5 | 2 | 0 | 0.0% |
| Wayne County | 5 | 5 | 0 | 0.0% |
| Cattaraugus County | 1 | 0 | 1 | 100.0% |
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: 38 applications in 2025, of which 21 were originated and 7 denied.
18.4% of all applications, or 25.0% 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 Savannah 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