Applications / Mortgage Analytics / Lenders / New York / Carthage Savings and Loan
Carthage, NY · National bank · OCC · $304 million assets · 164 loans in 2025
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164
loans originated, 2025
202
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carthage Savings and Loan is a purchase lender centered on Watertown-Fort Drum, where it ranks 8 of 106, and it makes far more manufactured-home loans than similar banks.
Purchases made up 81.7% of its 164 loans. Manufactured homes were 19.5%, against 1.7% at similar lenders (national banks making between half and twice as many loans), higher than at nearly all of them. That may help explain its typical loan of $135,000, smaller than at more than four in five of them, whose typical loan is $185,000.
Its share of Watertown-Fort Drum fell to 4.2% from 5.7%; First Technology Federal Credit Union leads. Its dollar total across all markets barely moved, to $26.9 million from $26.6 million. So other lenders may have lent more there, or more of its own loans may have gone elsewhere.
Its loans rose 7% to 164, against 5% at similar lenders. Low- and moderate-income (LMI) borrowers took 27.6% of its loans, up from 19.1% in 2024 and against 24.5% at its peers. It turned down 6.3% of home-purchase applications, near the middle of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Carthage Savings and Loan took 202 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.7% · Other 9.1% · Home improvement 6.7% · Refinance 2.4%
Conventional 96.3% · USDA (RHS or FSA) 3.7% · of 164 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 | 164 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Watertown-Fort Drum | 102 |
| Syracuse | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DNLSAVSRPDRK61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 900678 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1702657 | 2014–2017 |
Established 1 January 1888. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Carthage Savings and Loan's data.
Carthage Savings and Loan's data
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Carthage Savings and Loan 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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