Applications / Mortgage Analytics / Lenders / New Jersey / Bogota Savings Bank
Teaneck, NJ · Savings institution · FDIC · $903 million assets · 54 loans in 2025
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54
loans originated, 2025
85
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bogota Savings Bank, a New Jersey savings bank, made 59% more loans in 2025, faster growth than nine in ten similar lenders, and all but stopped buying loans from others.
It made 54 loans in 2025, up from 34. Similar lenders, lenders of the same type making between half and twice as many loans, were unchanged; the whole market grew 10%. The rebound is partial. The bank made 171 loans in 2021, the year it merged with Gibraltar Bank, and 130 in 2022.
It bought 1 loan in 2025, against 51 the year before and 66 in 2020. Most similar lenders buy none, so in this respect it now looks like them. The change may reflect a decision to make loans rather than buy them.
Home improvement made up 22.2% of its loans and other purposes 18.5%, against 33.3% for purchase. Such loans tend to be small, which may explain why its typical loan, $195,000, is lower than the $245,000 of similar lenders. All its loans were conventional.
It made 25.9% of its loans in majority-minority neighborhoods, against 7.4% for similar lenders, more than about four in five of them. That share was 17.6% the year before.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bogota Savings Bank took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.3% · Refinance 25.9% · Home improvement 22.2% · Other 18.5%
Conventional 100.0% · of 54 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 Jersey | 54 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 21 |
| New York-Jersey City-White Plains | 17 |
| Newark | 13 |
| Atlantic City-Hammonton | 1 |
| Camden | 1 |
| Trenton-Princeton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008RQ8SRLTLRWX62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 927479 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44393 | 1990–1995 |
| Respondent ID (the HMDA filer code before 2018) | 329941 | 1997–2017 |
Established 1 January 1893. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bogota Savings Bank's data.
Bogota Savings Bank's data
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Bogota Savings 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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