Applications / Mortgage Analytics / Lenders / New York / Bank of Richmondville
Cobleskill, NY · State non-member bank · FDIC · $181 million assets · 44 loans in 2025
Bank of Richmondville's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
44
loans originated, 2025
50
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Richmondville, a small New York lender, makes most of its loans in poorer neighborhoods, though its 44 loans in 2025 were 19% fewer than a year before.
Low- and moderate-income (LMI) neighborhoods took 77.3% of its loans, against 18.7% at similar lenders (state non-member banks making between half and twice as many loans), the highest of them. LMI borrowers took 47.6%, higher than about nine in ten peers.
Home improvement accounted for 27.3% of its loans and purchases for 43.2%, all conventional. That may help explain a typical loan of $105,000, lower than most peers', whose typical loan was $165,000.
Originations fell 19% while similar lenders grew 3% and the whole market 10%. Its count has fallen every year, from 88 in 2020 to 44, and its $5.4 million total was lower than more than nine in ten peers.
In Albany-Schenectady-Troy, its one metro, it ranked 83 of 265 lenders with an unchanged 0.1%. SEFCU Services and Homestead Funding led that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Richmondville took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.2% · Home improvement 27.3% · Refinance 18.2% · Other 11.4%
Conventional 100.0% · of 44 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 | 44 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany-Schenectady-Troy | 37 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SPVF3S3T0BYL87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 767611 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312956 | 1994–2017 |
Established 8 December 1893. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Bank of Richmondville's data.
Bank of Richmondville's data
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Bank of Richmondville 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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