Applications / Mortgage Analytics / Lenders / New York / Abacus Federal Savings Bank
New York, NY · Savings institution · OCC · $316 million assets · 82 loans in 2025
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82
loans originated, 2025
124
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Abacus Federal Savings Bank lends to buy homes in New York, and more than half its loans go to low- and moderate-income borrowers, a far higher share than at similar lenders.
Of its loans, 54.3% went to low- and moderate-income (LMI) borrowers, against 25.3% at similar lenders (savings institutions making between half and twice as many loans). And 61.0% went to majority-minority areas, against 6.7%. Both shares are higher than at nearly all similar lenders, and both have risen from 33.6% and 39.4% five years earlier.
It made 82 loans, down 24% from 108, while similar lenders grew 6% and the whole market 10%. Its typical loan held at $365,000, so the fall was in the number of loans, not their size. The figures do not say why. A lender that makes almost only purchase loans may depend on how many homes its customers buy.
Purchases were 81.7% of its loans and refinances the rest, all conventional. Its typical loan was larger than about three in four similar lenders', yet none of its loans were jumbo (larger than the conforming limit), against 2.4% at similar lenders.
It has lent in New York-Newark-Jersey City since 1990 and ranks 300 of 802 lenders there. JPMorgan Chase Bank and Wells Fargo Bank lead.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Abacus Federal Savings Bank took 124 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.7% · Refinance 18.3%
Conventional 100.0% · of 82 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 | 75 | 91.5% |
| Pennsylvania | 5 | 6.1% |
| New Jersey | 2 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 70 |
| Nassau County-Suffolk County | 5 |
| Philadelphia | 3 |
| Lakewood-New Brunswick | 2 |
| Montgomery County-Bucks County-Chester County | 1 |
| Reading | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YOGGZET04TZM44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 762773 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48059 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1708059 | 2011–2017 |
Established 29 November 1984. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Abacus Federal Savings Bank's data.
Abacus Federal Savings Bank's data
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