The Dart Bank in New York vs the state
14.6%Denial rate-5.19 pts vs state
15.3%Decision denial rate-8.70 pts vs state
70.3%Origination rate+10.73 pts vs state
6.49%Median rate-0.13 pts vs state
0.11Rate spread (pts)-0.10 pts vs state
$170kMedian applicant income
372Loans originated
77Denied
What The Dart 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 The Dart Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 97 | 74 | 13 | 13.4% |
| Richmond County | 61 | 50 | 4 | 6.6% |
| Westchester County | 54 | 39 | 9 | 16.7% |
| Kings County | 48 | 29 | 7 | 14.6% |
| Nassau County | 47 | 37 | 3 | 6.4% |
| Rockland County | 43 | 26 | 6 | 14.0% |
| Queens County | 42 | 25 | 10 | 23.8% |
| Orange County | 33 | 19 | 7 | 21.2% |
| Erie County | 20 | 15 | 3 | 15.0% |
| Sullivan County | 14 | 7 | 4 | 28.6% |
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: 529 applications in 2025, of which 372 were originated and 77 denied.
14.6% of all applications, or 15.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans The Dart Bank originated in New York in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are The Dart 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