Applications / Mortgage Analytics / Lenders / New York / Northfield Bank
Staten Island, NY · Savings institution · OCC · $5.8 billion assets · 480 loans in 2025
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480
loans originated, 2025
861
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Northfield Bank lends mostly to people who already own their homes, and its loans rose by 38% in 2025, faster than at most similar lenders.
Home improvement made up 34.4% of its loans and refinances 30.0%; purchases were only 14.2%. All were conventional. Its typical loan, $205,000, was near the middle of similar lenders (savings institutions making between half and twice as many loans).
Its loans rose 38%, to 480 from 348. Similar lenders grew 4% and the market as a whole 10%, so it grew faster than at more than four in five of its peers. Its loans came to $201.4 million, up from $64.1 million. It also bought 37 loans; the typical similar lender bought none.
Majority-minority areas took 22.9% of its loans, against 7.1% at similar lenders, a higher share than at nearly nine in ten. Low- and moderate-income (LMI) borrowers took 12.6%, against 26.3%, among the lowest tenth. Lending mostly to existing owners rather than buyers is one possible reason. Its share in poorer neighborhoods (LMI tracts), 15.0%, was near the middle.
In New York-Newark-Jersey City, where it has lent since at least 1990, it ranks 139 of 802 lenders. In Trenton-Princeton, NJ it ranks 73 of 365, and its share rose to 0.3% from 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Northfield Bank took 861 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 34.4% · Refinance 30.0% · Other 21.5% · Purchase 14.2%
Conventional 100.0% · of 480 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 Jersey | 292 | 60.8% |
| New York | 178 | 37.1% |
| Pennsylvania | 10 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 191 |
| Lakewood-New Brunswick | 126 |
| Newark | 95 |
| Trenton-Princeton | 34 |
| Camden | 12 |
| Atlantic City-Hammonton | 5 |
| Allentown-Bethlehem-Easton | 4 |
| Montgomery County-Bucks County-Chester County | 4 |
| Nassau County-Suffolk County | 4 |
| Philadelphia | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BN4MNW5KE16X83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 28013 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 328710 | 1993–2006 |
| Respondent ID (the HMDA filer code before 2018) | 418063 | 2007–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1718063 | 2011–2017 |
Established 1 January 1887. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Northfield Bank's data.
Northfield Bank's data
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Northfield 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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