Walden Savings Bank in New York vs the state
6.3%Denial rate-13.42 pts vs state
7.6%Decision denial rate-16.43 pts vs state
75.6%Origination rate+15.98 pts vs state
—Median rate
—Rate spread (pts)
$145kMedian applicant income
167Loans originated
14Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 377 | 265 | 4.0% | 6.38% | #140 |
| 2024 | 246 | 172 | 3.7% | — | #186 |
| 2025 | 221 | 167 | 6.3% | — | #197 |
What Walden 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 Walden Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 113 | 88 | 6 | 5.3% |
| Ulster County | 43 | 32 | 3 | 7.0% |
| Sullivan County | 23 | 18 | 1 | 4.3% |
| Dutchess County | 20 | 14 | 2 | 10.0% |
| Westchester County | 6 | 4 | 0 | 0.0% |
| Columbia County | 4 | 2 | 1 | 25.0% |
| Putnam County | 3 | 2 | 0 | 0.0% |
| Delaware County | 3 | 3 | 0 | 0.0% |
| Greene County | 2 | 1 | 1 | 50.0% |
| Rockland County | 2 | 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: 221 applications in 2025, of which 167 were originated and 14 denied.
6.3% of all applications, or 7.6% 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 Walden 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