Applications / Mortgage Analytics / Lenders / New York / First Central Savings Bank
Glen Cove, NY · Savings institution · FDIC · $970 million assets · 519 loans in 2025
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519
loans originated, 2025
578
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Central Savings Bank is a New York savings institution that lends mostly for home purchases, with large loans spread across 20 states, and its 519 loans in 2025 were 21% more than in 2024.
Home purchases made up 85.7% of its loans and refinances 13.1%, all conventional. Its typical loan, $585,000, was more than double the $215,000 at similar lenders (savings institutions making between half and twice as many loans), higher than almost all of them. Its dollar total, $334.9 million, was about double theirs.
Majority-minority areas took 54.9% of its loans, against 6.3% at similar lenders, the highest share among them. LMI (low- and moderate-income) areas took 24.9%, against 15.1%, higher than about nine in ten peers. LMI borrowers took 15.2%, lower than about nine in ten; with a typical loan of $585,000, one possibility is that its borrowers have higher incomes than the areas they buy in.
Originations rose 21%, against 6% at similar lenders and 10% for the whole market. It made 12 loans in 2018 and 16 in 2019, filed no report for 2020 and 2021, and made 478 in 2022, so its record before 2022 is too thin to compare with.
Its largest market is New York-Newark-Jersey City, where it ranked 93 of 802 lenders. In 2025 it first lent in non-metro Connecticut, Lexington-Fayette and Davenport-Moline-Rock Island.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Central Savings Bank took 578 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.7% · Refinance 13.1% · Home improvement 0.6% · Other 0.6%
Conventional 100.0% · of 519 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 | 448 | 86.3% |
| Florida | 21 | 4.0% |
| New Jersey | 19 | 3.7% |
| Texas | 5 | 1.0% |
| Connecticut | 4 | 0.8% |
| Delaware | 4 | 0.8% |
| Pennsylvania | 3 | 0.6% |
| Indiana | 2 | 0.4% |
| Ohio | 2 | 0.4% |
| Colorado | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 392 |
| Nassau County-Suffolk County | 62 |
| Miami-Miami Beach-Kendall | 6 |
| Newark | 4 |
| Wilmington | 4 |
| Camden | 3 |
| Fort Lauderdale-Pompano Beach-Sunrise | 3 |
| Lakewood-New Brunswick | 3 |
| Orlando-Kissimmee-Sanford | 3 |
| West Palm Beach-Boca Raton-Delray Beach | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F1COXL6UBFCP55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2797359 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334969 | 2002–2017 |
Established 5 April 1999. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: First Central Savings Bank's data.
First Central Savings Bank's data
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First Central 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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