Applications / Mortgage Analytics / Lenders / New York / Arrow Bank
Glens Falls, NY · National bank · OCC · $4.4 billion assets · 847 loans in 2025
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847
loans originated, 2025
1,341
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arrow Bank is the largest lender in Glens Falls and its originations rose 62% to 847 in 2025, faster than nearly all similar lenders, in the year it merged with Saratoga National Bank and Trust.
Originations rose 62%, against 10% at similar lenders (national banks making between half and twice as many loans) and 10% for the whole market, back to about their 2020 level of 859. It merged with Saratoga National Bank and Trust in 2025, which is one possible source of the added lending.
It ranked 1 of 145 lenders in Glens Falls, where it has lent since before 1990, though its share fell 2.2 points to 15.6%, possibly as more of its lending went to Albany-Schenectady-Troy. In Albany-Schenectady-Troy its share rose 2.6 points to 3.0% and it ranked 8 of 265; the merged bank's filings count in those competition figures and could account for much of that rise.
Jumbo loans (larger than the conforming limit) were 7.2% of its lending, against 2.0% at similar lenders. Its typical rate was 6.12%, lower than about nine in ten peers (6.67%).
Majority-minority areas took 1.2% of its loans, against 7.8% at similar lenders, and LMI (low- and moderate-income) areas 11.4%, against 15.7%. It lends in 15 counties, mainly in New York, and the make-up of those markets is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arrow Bank took 1,341 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.7% · Home improvement 22.7% · Refinance 12.3% · Other 8.4%
Conventional 98.3% · FHA 1.5% · VA 0.1% · of 847 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 | 845 | 99.8% |
| Vermont | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany-Schenectady-Troy | 381 |
| Glens Falls | 351 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ERHDU3FCE3FA33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 866000 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 17699 | 1990–2017 |
Established 1 January 1851. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Arrow Bank's data.
Arrow Bank's data
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Arrow 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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