Applications / Mortgage Analytics / Lenders / New York / Seneca Savings Bank
Baldwinsville, NY · National bank · OCC · $312 million assets · 80 loans in 2025
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80
loans originated, 2025
107
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Seneca Savings Bank, newly a national bank in 2025, lends to low- and moderate-income borrowers more than most similar banks and grew faster than most of them.
Low- and moderate-income (LMI) borrowers took 36.0% of its 80 loans, higher than about four in five similar lenders (national banks making between half and twice as many loans), whose typical figure is 22.4%. The share rose from 25.9% in 2024 and 23.7% five years before. Its share in LMI tracts, 15.0%, is near the middle but up from 6.7% five years before.
Originations rose 23%, higher than about seven in ten similar lenders, whose typical growth was 5%, and above the whole market's 10%; dollars rose from $12.3 million to $19.5 million. It made 137 loans in 2021, so the bank is still rebuilding volume.
Home purchases were 61.3% of its loans and refinancing 36.3%; all its loans were conventional. Its typical loan, $190,000, was near the middle of similar lenders, and jumbo loans (larger than the conforming limit) were 1.5%, lower than about two-thirds of them.
It ranks 36 of 246 lenders in Syracuse, NY, a market it has served since before 1990, with a 0.7% share, up 0.1 points. In Watertown-Fort Drum its share went from 0.0% to 0.5%, ranking 28 of 106. Its 2025 change from savings bank to national bank charter also changes the group it is compared with.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Seneca Savings Bank took 107 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.3% · Refinance 36.3% · Home improvement 2.5%
Conventional 100.0% · of 80 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 | 80 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Syracuse | 76 |
| Watertown-Fort Drum | 2 |
| Utica-Rome | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002R2CJ2LF78PR19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 276074 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43552 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703552 | 2011–2017 |
Established 1 January 1928. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Seneca Savings Bank's data.
Seneca Savings Bank's data
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Seneca Savings Bank 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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