Applications / Mortgage Analytics / Lenders / New York / Carthage Savings and Loan / Competition
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
Who Carthage Savings and Loan competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — WATERTOWN-FORT DRUM, NY, 2025
Carthage Savings and Loan ranks 8th of 106 lenders in Watertown-Fort Drum, NY, with $18.1M lent: 4.2% of a $426.4M market.
Watertown-Fort Drum, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Carthage Savings and Loan in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 68% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO NEW YORK, 2025
Carthage Savings and Loan ranks 87th of 377 lenders in non-metro New York, with $8.3M lent: 0.2% of a $3.97B market.
non-metro New York is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Carthage Savings and Loan in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — SYRACUSE, NY, 2025
Carthage Savings and Loan ranks 164th of 246 lenders in Syracuse, NY, with $465K lent: 0.0% of a $2.51B market.
Syracuse, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Carthage Savings and Loan in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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