Seneca Savings in New York vs the state
12.2%Denial rate-7.60 pts vs state
13.7%Decision denial rate-10.36 pts vs state
74.8%Origination rate+15.18 pts vs state
—Median rate
—Rate spread (pts)
$104kMedian applicant income
80Loans originated
13Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 61 | 6.7% | — | #288 |
| 2024 | 81 | 65 | 11.1% | — | #283 |
| 2025 | 107 | 80 | 12.2% | — | #259 |
What Seneca Savings lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most Seneca Savings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Onondaga County | 73 | 57 | 8 | 11.0% |
| Oswego County | 15 | 11 | 2 | 13.3% |
| Madison County | 14 | 8 | 2 | 14.3% |
| Cayuga County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Oneida County | 1 | 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: 107 applications in 2025, of which 80 were originated and 13 denied.
12.2% of all applications, or 13.7% 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 Seneca Savings'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