Union Savings Bank in New York vs the state
7.7%Denial rate-12.06 pts vs state
9.1%Decision denial rate-14.95 pts vs state
76.9%Origination rate+17.33 pts vs state
6.04%Median rate-0.59 pts vs state
-0.31Rate spread (pts)-0.52 pts vs state
$279kMedian applicant income
10Loans originated
1Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 8 | 7.1% | 5.57% | #434 |
| 2024 | 16 | 10 | 18.8% | 6.06% | #405 |
| 2025 | 13 | 10 | 7.7% | 6.04% | #440 |
What Union 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 Union Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westchester County | 6 | 3 | 1 | 16.7% |
| New York County | 1 | 1 | 0 | 0.0% |
| Onondaga County | 1 | 1 | 0 | 0.0% |
| Bronx County | 1 | 1 | 0 | 0.0% |
| Ulster County | 1 | 1 | 0 | 0.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Dutchess County | 1 | 1 | 0 | 0.0% |
| Erie 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: 13 applications in 2025, of which 10 were originated and 1 denied.
7.7% of all applications, or 9.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Union Savings Bank originated in New York in 2025 was 6.04%, against a statewide median of 6.63%.
About this data. Figures are Union 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