Ulster Savings Bank in New York vs the state
8.4%Denial rate-11.36 pts vs state
9.0%Decision denial rate-15.09 pts vs state
81.6%Origination rate+21.99 pts vs state
6.63%Median rate0.00 pts vs state
0.19Rate spread (pts)-0.02 pts vs state
$134kMedian applicant income
496Loans originated
51Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 686 | 507 | 10.6% | 6.88% | #96 |
| 2024 | 549 | 441 | 8.2% | 7.04% | #112 |
| 2025 | 608 | 496 | 8.4% | 6.63% | #119 |
What Ulster Savings 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 Ulster Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ulster County | 364 | 302 | 30 | 8.2% |
| Dutchess County | 64 | 48 | 7 | 10.9% |
| Orange County | 64 | 51 | 6 | 9.4% |
| Sullivan County | 33 | 27 | 4 | 12.1% |
| Greene County | 27 | 22 | 3 | 11.1% |
| Delaware County | 18 | 18 | 0 | 0.0% |
| Westchester County | 14 | 9 | 0 | 0.0% |
| Columbia County | 10 | 8 | 0 | 0.0% |
| Suffolk County | 4 | 2 | 1 | 25.0% |
| Putnam County | 2 | 2 | 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: 608 applications in 2025, of which 496 were originated and 51 denied.
8.4% of all applications, or 9.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Ulster Savings Bank originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Ulster Savings 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