Applications / Mortgage Analytics / Lenders / New York / Cattaraugus County Bank
Little Valley, NY · State non-member bank · FDIC · $375 million assets · 52 loans in 2025
Cattaraugus County Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
52
loans originated, 2025
68
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cattaraugus County Bank, a small New York purchase lender, made about as many loans in 2025 as a year earlier, but lent nearly twice as much money.
Originations rose 4% to 52, in line with similar lenders (state non-member banks making between half and twice as many loans). The dollars rose from $7.6 million to $14.8 million as its typical loan climbed to $165,000, the same as peers'. Purchases made up 63.5% of originations.
The bank made 131 loans in 2020. The count fell gradually, through 65 in 2023, and has been near 50 since 2024. A smaller local market, or choices about what to lend, may explain the fall. With so few loans, shares can swing from year to year.
Some 23.8% of its loans went to low- and moderate-income (LMI) borrowers, down from 47.4% a year earlier and a little below peers' 27.1%. The bigger loans of 2025 are one possible reason. Its share in LMI neighborhoods, 21.1%, was near the middle.
It has lent in non-metro New York since 1998 and ranks 95 of 377 there, behind Community Bank and Rocket Mortgage. In Buffalo-Cheektowaga its share rose 0.1 points to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cattaraugus County Bank took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.5% · Refinance 19.2% · Other 17.3%
Conventional 100.0% · of 52 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 | 50 | 96.2% |
| Pennsylvania | 2 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JEHXW73XYX6533 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 254504 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312959 | 1998–2017 |
Established 1 January 1902. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Cattaraugus County Bank's data.
Cattaraugus County Bank's data
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Cattaraugus County 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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