University Bank in New York vs the state
0.0%Denial rate-19.75 pts vs state
0.0%Decision denial rate-24.04 pts vs state
77.8%Origination rate+18.19 pts vs state
6.25%Median rate-0.38 pts vs state
-0.38Rate spread (pts)-0.59 pts vs state
$202kMedian applicant income
7Loans originated
0Denied
What University Bank lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most University Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 3 | 1 | 0 | 0.0% |
| Erie County | 2 | 2 | 0 | 0.0% |
| Delaware County | 1 | 1 | 0 | 0.0% |
| Onondaga County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Kings 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: 9 applications in 2025, of which 7 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans University Bank originated in New York in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are University 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