Applications / Mortgage Analytics / Lenders / New York / Bank of Holland
Holland, NY · State non-member bank · FDIC · $246 million assets · 91 loans in 2025
Bank of Holland's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
91
loans originated, 2025
126
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Holland lends heavily on manufactured homes, and it is shrinking: its 91 loans in 2025 were 15% fewer than a year before, while similar lenders grew.
Manufactured homes made up 23.1% of its loans. At similar lenders (state non-member banks making between half and twice as many loans) the figure was 3.0%, and Bank of Holland's share was higher than about nine in ten of them. That may help explain why its typical loan, $125,000, was lower than about four in five peers'. Every loan was conventional.
Its loan count peaked at 185 in 2021 and has fallen every year since. In 2025 it dropped 15%, while similar lenders grew 9% and the whole market 10%.
None of its loans went to poorer neighborhoods (low- and moderate-income, or LMI, areas), against 18.3% at peers; in 2024 the share was 3.7%. The six counties it lends in may hold few such areas, though how many they hold is still an open question. LMI borrowers took 21.4% of its loans, lower than about two-thirds of peers.
Its largest market is Buffalo-Cheektowaga, where it ranked 53 of 267 lenders with 0.3%, down 0.2 points. United Wholesale Mortgage and M&T Bank led. The bank's own volume fell while lending across the market grew, which may account for the slip.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Holland took 126 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.1% · Refinance 18.7% · Other 14.3% · Home improvement 9.9%
Conventional 100.0% · of 91 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 | 91 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 63 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900AU2FARCMPNA566 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 941804 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31464 | 1990–2017 |
Established 21 October 1893. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Holland's data.
Bank of Holland's data
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Bank of Holland 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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