Lender in New York · HMDA 2025
Five Star Bank mortgages in New York
Five Star Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Five Star Bank originated 364 owner-occupied single-family loans in New York from 405 completed applications.
Its median conventional purchase loan costs were $3,830 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
364
of 405 applications
Denial rate
6.0%
Purchase · NY 9.5%
Rate spread
+0.15 pts
Conv. · NY +0.07 pts
Loan amount
$215,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 351 | 318 | 6.0% | 6.625% | +0.15 pts | $3,830 | $215,000 |
| Refinance | 43 | 36 | 11.6% | — | +0.07 pts | $0 | $135,000 |
| Cash-out refinance | 11 | 10 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Five Star Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wyoming County | 5 | 14 | 4.0% |
| Allegany County | 5 | 9 | 3.3% |
| Ontario County | 9 | 32 | 3.0% |
| Yates County | 9 | 6 | 3.5% |
| Cattaraugus County | 10 | 13 | 2.8% |
| Livingston County | 10 | 10 | 2.1% |
| Seneca County | 12 | 5 | 2.3% |
| Erie County | 13 | 142 | 1.5% |
| Niagara County | 15 | 25 | 1.2% |
| Genesee County | 15 | 7 | 1.5% |
| Steuben County | 18 | 8 | 1.0% |
| Schuyler County | 18 | 2 | 1.7% |
| Orleans County | 19 | 4 | 1.2% |
| Monroe County | 21 | 65 | 0.9% |
| Chemung County | 23 | 6 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology