The First National Bank of Dryden in New York vs the state
11.0%Denial rate-8.79 pts vs state
11.0%Decision denial rate-13.08 pts vs state
83.6%Origination rate+23.97 pts vs state
—Median rate
—Rate spread (pts)
$95kMedian applicant income
61Loans originated
8Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 122 | 91 | 12.3% | — | #245 |
| 2024 | 80 | 62 | 7.5% | — | #285 |
| 2025 | 73 | 61 | 11.0% | — | #302 |
What The First National Bank of Dryden 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 First National Bank of Dryden applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cortland County | 41 | 34 | 5 | 12.2% |
| Tompkins County | 24 | 21 | 2 | 8.3% |
| Tioga County | 5 | 3 | 1 | 20.0% |
| Cayuga County | 2 | 2 | 0 | 0.0% |
| Onondaga 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: 73 applications in 2025, of which 61 were originated and 8 denied.
11.0% of all applications, or 11.0% 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 The First National Bank of Dryden'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