Applications / Mortgage Analytics / Lenders / New York / Pathfinder Bank / Competition
Pathfinder Bank
Oswego, NY · State non-member bank · FDIC · $1.4 billion assets · 184 loans in 2025
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184
loans originated, 2025
234
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Who Pathfinder Bank 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 — SYRACUSE, NY, 2025
Pathfinder Bank ranks 18th of 246 lenders in Syracuse, NY, with $50.0M lent: 2.0% 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 Pathfinder Bank 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 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — CAPE CORAL-FORT MYERS, FL, 2025
Pathfinder Bank ranks 325th of 798 lenders in Cape Coral-Fort Myers, FL, with $1.7M lent: 0.0% of a $7.41B market.
Cape Coral-Fort Myers, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Pathfinder Bank 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 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — BINGHAMTON, NY, 2025
Pathfinder Bank ranks 58th of 180 lenders in Binghamton, NY, with $1.3M lent: 0.2% of a $573.8M market.
Binghamton, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Pathfinder Bank 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 60% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — UTICA-ROME, NY, 2025
Pathfinder Bank ranks 62nd of 174 lenders in Utica-Rome, NY, with $1.1M lent: 0.1% of a $793.9M market.
Utica-Rome, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Pathfinder Bank 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 61% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO NEW YORK, 2025
Pathfinder Bank ranks 226th of 377 lenders in non-metro New York, with $1.1M lent: 0.0% 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 Pathfinder Bank 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 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — AUSTIN-ROUND ROCK-SAN MARCOS, TX, 2025
Pathfinder Bank ranks 655th of 753 lenders in Austin-Round Rock-San Marcos, TX, with $405K lent: 0.0% of a $22.41B market.
Austin-Round Rock-San Marcos, TX is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Pathfinder Bank 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 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — ROCHESTER, NY, 2025
Pathfinder Bank ranks 169th of 251 lenders in Rochester, NY, with $390K lent: 0.0% of a $4.78B market.
Rochester, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Pathfinder Bank 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 58% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — WATERTOWN-FORT DRUM, NY, 2025
Pathfinder Bank ranks 89th of 106 lenders in Watertown-Fort Drum, NY, with $165K lent: 0.0% of a $426.4M market.
Watertown-Fort Drum, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Pathfinder Bank 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
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