Applications / Mortgage Analytics / Lenders / New York / American Community Bank
Glen Cove, NY · State non-member bank · FDIC · 39 loans in 2025
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39
loans originated, 2025
57
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Community Bank, of Glen Cove, NY, filed its first report in 2025, and its typical loan was about three times the size of similar banks'.
Its typical loan was $515,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), higher than about nine in ten of them. It made fewer loans than its peers, 39 against 48, yet lent about twice as much: $24.2 million against $11.8 million. All its loans were conventional. Home purchases made up 56.4% of them and refinances the rest.
Loans in majority-minority areas made up 59.0% of its lending, against 6.3% at peers, higher than more than nine in ten of them. Loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts) were 28.2%, against 19.0%. Where it lends, mainly in and around New York City, may explain both. On 39 loans a few loans move these shares, and one year gives no trend.
In New York-Newark-Jersey City it ranked 334 of 802 lenders; JPMorgan Chase Bank led. In Norwich-New London-Willimantic, CT it ranked 215 of 312, where Liberty Bank led. Its loans reached nine counties in two states.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Community Bank took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.4% · Refinance 43.6%
Conventional 100.0% · of 39 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 | 38 | 97.4% |
| Connecticut | 1 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 27 |
| Nassau County-Suffolk County | 11 |
| Norwich-New London-Willimantic | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9845002BFC70CNA9B356 | 2025–2025 |
Established 10 January 2000. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: American Community Bank's data.
American Community Bank's data
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American Community 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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