Lender Register

Lenders › Community Bank, N.A. › New York

Community Bank, N.A. in New York

HMDA record for properties in New York, calendar year 2024. National record · New York overview

LEI 5493005RDTT7HVODH436
Reporting agency Office of the Comptroller of the Currency
State New York

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In New York, Community Bank, N.A. reported 5,658 applications and 4,175 originations for 2024, $596m in all.

Its denial rate in the state was 16.1%, below the New York rate of 25.4% across all lenders and compared with the lender's national rate of 16.1%.

The median rate spread on its New York originations was 0.9 percentage points (state median 0.3).

Applications in the state were about level with 2023.

5,658applications in NY, 202478.9% of the lender's total
4,175loans originated$596m
16.1%denial rateNY all lenders 25.4%
0.9 ppmedian rate spreadNY 0.3 pp

Compared with the state and the lender's national record

MeasureIn New YorkNew York, all lendersCommunity Bank, N.A., all statesUnited States
Denial rate16.1%25.4%16.1%24.3%
Median rate spread, pp0.90.30.80.3
Originations with spread of 1.5 pp or more15.8%15.0%15.7%15.6%
Average originated loan$143k$446k$162k$329k
Home purchase share54.9%55.3%53.5%57.0%
FHA-insured share0.0%7.4%0.0%13.4%
VA-guaranteed share0.3%2.4%0.2%7.9%

Trend by year

ApplicationsOriginations

03216.56,4332022: 6,433 Applications2023: 5,889 Applications2024: 5,658 Applications2022: 4,713 Originations2023: 4,270 Originations2024: 4,175 Originations202220232024
Community Bank, N.A. in New York: applications and originations, 2022–2024

This lender in stateNew York, all lenders

0%13%26%2022: 16.4% This lender in state2023: 17% This lender in state2024: 16.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in New York

By purpose

Home purchase 55% (2,293)Home improvement 26% (1,085)Refinancing 10% (438)Cash-out refinancing 0% (3)Other purpose 9% (356)

By type

Conventional 100% (4,159)VA 0% (11)USDA 0% (5)

Denial reasons as coded

Debt-to-income ratio46.2%
Credit history25.5%
Other12.5%
Collateral11.1%
Employment history2.6%
Unverifiable information1%
Insufficient cash (downpayment, closing costs)0.6%
Credit application incomplete0.2%
Mortgage insurance denied0.2%

Share of 808 denials in New York by first denial reason coded (outlined bar: all lenders in the state).

Counties in New York

CountyApplicationsOriginationsAmountDenial rate
Chautauqua County392290$32m18.1%
Clinton County333270$44m9.9%
Erie County309240$39m13.6%
St. Lawrence County279205$21m18.5%
Oneida County252202$29m9.8%
Cattaraugus County262199$19m14.1%
Allegany County258182$15m20.0%
Jefferson County246174$22m20.1%
Steuben County231160$15m22.6%
Onondaga County197142$28m16.3%
Franklin County172132$17m17.0%
Otsego County183125$23m19.2%
Monroe County159125$29m8.7%
Essex County152122$25m12.9%
Madison County154114$14m20.8%
Ontario County148107$11m18.0%
Tompkins County13297$19m12.6%
Chemung County11491$11m13.3%
Oswego County12590$12m18.2%
Fulton County12588$14m20.0%
Lewis County11179$7.3m19.2%
Livingston County10079$9.5m8.0%
Broome County8673$11m5.2%
Wayne County9969$5.7m17.6%
Seneca County7957$5.8m17.4%
Montgomery County7752$6.7m15.9%
Delaware County7651$7.0m16.4%
Albany County7849$12m14.0%
Chenango County7049$7.6m15.5%
Cayuga County6744$5.7m26.7%
Yates County5640$4.4m24.5%
Tioga County5435$5.3m20.5%
Schuyler County5035$4.0m18.6%
Saratoga County4934$9.9m19.0%
Wyoming County4134$3.0m12.5%
Rensselaer County4633$16m8.3%
Schoharie County3626$4.3m7.1%
Herkimer County3325$4.6m16.7%
Niagara County2925$4.1m3.7%
Columbia County3724$4.1m19.4%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Community Bank, N.A. originate in New York in 2024?

4,175 loans totalling $596m, from 5,658 applications reported for properties in New York.

What is Community Bank, N.A.'s denial rate in New York?

16.1% of decided applications in New York were denied, against 25.4% for all lenders in the state and 16.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which New York counties does Community Bank, N.A. lend in most?

By originations: Chautauqua County (290), Clinton County (270), Erie County (240), St. Lawrence County (205), Oneida County (202).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New York. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.