Empire State Bank
Empire State Bank received 35 applications in 2025 and made 28 mortgages, in 5 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $695,000. Of 32 decisions, 2 were denials — 6.3%.
| Legal Entity Identifier | 549300G86QJ4YLR90O89 |
|---|---|
| Applications received | 35 |
| Mortgages made | 28 |
| Denied | 2 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Empire State Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 23 | Not published | $685,000 | 3.9% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
Where Empire State Bank lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kings County, NY | 12 | Not published | 0.0% |
| Queens County, NY | 8 | Under 10 loans | 11.1% |
| Richmond County, NY | 6 | Under 10 loans | 14.3% |
| Hudson County, NJ | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Empire State Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.