Tioga State Bank, N. A. in New York vs the state
9.6%Denial rate-10.13 pts vs state
10.3%Decision denial rate-13.71 pts vs state
81.8%Origination rate+22.20 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
238Loans originated
28Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 324 | 258 | 12.0% | — | #156 |
| 2024 | 268 | 207 | 12.7% | — | #177 |
| 2025 | 291 | 238 | 9.6% | — | #180 |
What Tioga State Bank, N. A. lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most Tioga State Bank, N. A. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broome County | 108 | 88 | 12 | 11.1% |
| Tioga County | 96 | 82 | 6 | 6.3% |
| Tompkins County | 28 | 23 | 3 | 10.7% |
| Chemung County | 13 | 10 | 2 | 15.4% |
| Cortland County | 10 | 8 | 1 | 10.0% |
| Chenango County | 9 | 6 | 1 | 11.1% |
| Schuyler County | 9 | 7 | 1 | 11.1% |
| Seneca County | 6 | 6 | 0 | 0.0% |
| Onondaga County | 3 | 3 | 0 | 0.0% |
| Otsego County | 3 | 1 | 1 | 33.3% |
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: 291 applications in 2025, of which 238 were originated and 28 denied.
9.6% of all applications, or 10.3% 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 Tioga State Bank, N. A.'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