Spencer Savings Bank, SLA in New York vs the state
0.0%Denial rate-19.75 pts vs state
0.0%Decision denial rate-24.04 pts vs state
100.0%Origination rate+40.41 pts vs state
—Median rate
—Rate spread (pts)
—Median applicant income
23Loans originated
0Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 17 | 6.9% | — | #365 |
| 2024 | 26 | 21 | 3.9% | — | #367 |
| 2025 | 23 | 23 | 0.0% | — | #403 |
What Spencer Savings Bank, SLA lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most Spencer Savings Bank, SLA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bronx County | 11 | 11 | 0 | 0.0% |
| Kings County | 9 | 9 | 0 | 0.0% |
| Westchester County | 2 | 2 | 0 | 0.0% |
| Queens 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: 23 applications in 2025, of which 23 were originated and 0 denied.
0.0% of all applications, or 0.0% 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 Spencer Savings Bank, SLA'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