Applications / Mortgage Analytics / Lenders / New York / Orange Bank & Trust Company
Middletown, NY · State member bank · FRS · $2.7 billion assets · 60 loans in 2025
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60
loans originated, 2025
86
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Orange Bank & Trust Company makes few but very large loans: 60 loans came to $115.4 million, with a typical loan of $610,000, larger than about nine in ten similar banks.
Against similar lenders (state member banks making between half and twice as many loans), its dollar total was higher than about nineteen in twenty; the typical peer lent $20.5 million. No loan went to an LMI (low- and moderate-income) borrower, against 25.0% for peers. Loans this large may go to borrowers with higher incomes, or be loans for which no borrower income is reported.
Its loans were 41.7% in LMI areas and 46.7% in majority-minority areas, against 17.7% and 7.1% for the typical peer, higher than about nine in ten peers on both. That may follow from the markets it serves.
Loans rose 40% to 60, against 8% for the typical peer and 10% for the whole market, after falling from 85 in 2021 to 43 in 2024. Its typical loan fell from $1.3 million in 2024 to $610,000, and jumbo loans (larger than the conforming limit) from 16.7% to 3.7%, so the year brought more, smaller loans.
In Kiryas Joel-Poughkeepsie-Newburgh, where it has lent since before 1990, its share fell from 0.6% to 0.4% (rank 50 of 282), behind Hudson Valley Credit Union and national lenders. In Kingston it rose from 0.1% to 0.3%. A few large loans can move such small shares either way.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Orange Bank & Trust Company took 86 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.3% · Refinance 41.7% · Home improvement 5.0%
Conventional 100.0% · of 60 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 57 | 95.0% |
| Connecticut | 3 | 5.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 30 |
| Kiryas Joel-Poughkeepsie-Newburgh | 20 |
| Kingston | 5 |
| Bridgeport-Stamford-Danbury | 2 |
| Hartford-West Hartford-East Hartford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005ONLDV0W4QDI82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 176101 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2176101 | 1990–2017 |
Established 2 May 1892. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Orange Bank & Trust Company's data.
Orange Bank & Trust Company's data
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Orange Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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