Ponce Bank
Ponce Bank received 132 applications in 2025 and made 88 mortgages, in 30 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $490,000. Of 102 decisions, 12 were denials — 11.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300K0ZDYG8YJZ3L95 |
|---|---|
| Applications received | 132 |
| Mortgages made | 88 |
| Denied | 12 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Ponce Bank, National Association, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 65 | Not published | $495,000 | 9.6% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 30.0% |
Where Ponce Bank lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Queens County, NY | 22 | Not published | 15.4% |
| Bergen County, NJ | 11 | Not published | 0.0% |
| Nassau County, NY | 11 | Not published | 0.0% |
| Bronx County, NY | 6 | Under 10 loans | 14.3% |
| Kings County, NY | 5 | Under 10 loans | 33.3% |
| Westchester County, NY | 4 | Under 10 loans | 20.0% |
| Union County, NJ | 3 | Under 10 loans | 0.0% |
| Broome County, NY | 3 | Under 10 loans | 25.0% |
| Essex County, NJ | 2 | Under 10 loans | 0.0% |
| Hudson County, NJ | 2 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 2 | Under 10 loans | 0.0% |
| Monroe County, NY | 2 | Under 10 loans | 0.0% |
| Suffolk County, NY | 2 | Under 10 loans | 0.0% |
| Lehigh County, PA | 2 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 1 | Under 10 loans | 0.0% |
| Morris County, NJ | 1 | Under 10 loans | 0.0% |
| Passaic County, NJ | 1 | Under 10 loans | 50.0% |
| Somerset County, NJ | 1 | Under 10 loans | 0.0% |
| New York County, NY | 1 | Under 10 loans | 0.0% |
| Richmond County, NY | 1 | Under 10 loans | 0.0% |
| Rockland County, NY | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 0 | Under 10 loans | Not published |
| Riverside County, CA | 0 | Under 10 loans | Not published |
| Greater Bridgeport Planning Region, CT | 0 | Under 10 loans | Not published |
| New Castle County, DE | 0 | Under 10 loans | 0.0% |
| Greene County, NY | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Ponce 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.