Applications / Mortgage Analytics / Lenders / Pennsylvania / BNY Mellon
Pittsburgh, PA · National bank · OCC · $31.3 billion assets · 527 loans in 2025
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527
loans originated, 2025
659
applications, 2025
44
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BNY Mellon makes large, high-balance home loans across 44 states, with a typical loan of $1.0 million against $205,000 at similar banks.
Jumbo loans (larger than the conforming limit) were 52.9% of its lending, against 2.2% at similar lenders (national banks making between half and twice as many loans), the highest share among them. All its loans were conventional. Purchases made up 59.8% of its loans; its main state is California, and its 527 loans were spread across 129 metros.
Low- and moderate-income (LMI) borrowers took 0.2% of its loans, against 26.0% at similar lenders, among the lowest of them; LMI areas took 7.4%, against 15.5%. Loans of this size may go mostly to borrowers with incomes above the LMI line, so the low shares could follow from its product rather than from where it lends. Its share in majority-minority areas, 8.2%, was near the middle of its peers.
Its typical rate was 5.88%, against 6.75% at similar lenders, lower than almost all of them, and none of its loans were higher-priced (a rate well above the average for similar loans), against 2.2% at peers.
Originations rose 20% to 527, against 5% at similar lenders and 10% for the whole market, faster than more than four in five peers. Its count peaked at 1,549 in 2021 and was 1,042 five years before. It also bought 17 loans, after none in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BNY Mellon took 659 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.8% · Other 24.7% · Refinance 14.2% · Home improvement 1.3%
Conventional 100.0% · of 527 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 |
|---|---|---|
| California | 66 | 12.5% |
| Florida | 59 | 11.2% |
| Massachusetts | 51 | 9.7% |
| New York | 40 | 7.6% |
| Georgia | 27 | 5.1% |
| North Carolina | 22 | 4.2% |
| Colorado | 21 | 4.0% |
| Texas | 20 | 3.8% |
| South Carolina | 18 | 3.4% |
| Virginia | 15 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 31 |
| Cambridge-Newton-Framingham | 20 |
| Atlanta-Sandy Springs-Roswell | 16 |
| Los Angeles-Long Beach-Glendale | 16 |
| Boston | 14 |
| Bridgeport-Stamford-Danbury | 12 |
| Chicago-Naperville-Schaumburg | 10 |
| Houston-Pasadena-The Woodlands | 10 |
| West Palm Beach-Boca Raton-Delray Beach | 10 |
| Barnstable Town | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 4EP6JBYBTPTQ47LZOB67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 934329 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16301 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9934329 | 2011–2017 |
Established 1 January 1869. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BNY Mellon's data.
BNY Mellon's data
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BNY Mellon 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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