Applications / Mortgage Analytics / Lenders / New York / Habib American Bank
New York, NY · State non-member bank · FDIC · $2.7 billion assets · 95 loans in 2025
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95
loans originated, 2025
95
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Habib American Bank makes very large loans, typically $1.1 million, mostly in poorer and majority-minority neighborhoods of New York and a handful of other cities.
Its typical loan in 2025 was $1.1 million, against $175,000 at similar lenders, which here means state non-member banks making between half and twice as many loans. That is higher than nearly all of them, and it has grown from $555,000 five years before. Only 7.1% of its loans were jumbo, larger than the conforming limit, though that is more than at about four in five peers.
Some 87.4% of its loans went to majority-minority neighborhoods and 68.1% to low- and moderate-income ones, against 6.3% and 18.3% for peers. Both are higher than at almost all of them. Its lending spans five states, from New York, where it has lent since at least 1990, to Los Angeles and Philadelphia.
It made 95 loans, up 27% from 75, while similar banks grew 9%. Refinances were 66.3% of its loans and purchases 30.5%. It has added markets in recent years, including Kiryas Joel-Poughkeepsie-Newburgh in 2018, Allentown-Bethlehem-Easton in 2019 and Atlantic City-Hammonton in 2022.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Habib American Bank took 95 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.3% · Purchase 30.5% · Other 3.2%
Conventional 100.0% · of 95 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 | 67 | 70.5% |
| New Jersey | 15 | 15.8% |
| California | 9 | 9.5% |
| Connecticut | 3 | 3.2% |
| Pennsylvania | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 66 |
| Newark | 11 |
| Los Angeles-Long Beach-Glendale | 9 |
| Bridgeport-Stamford-Danbury | 2 |
| Nassau County-Suffolk County | 2 |
| Allentown-Bethlehem-Easton | 1 |
| Atlantic City-Hammonton | 1 |
| Camden | 1 |
| Kiryas Joel-Poughkeepsie-Newburgh | 1 |
| Norwich-New London-Willimantic | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YV77ZZ5ADLO929 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 245016 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 325093 | 1990–2017 |
Established 16 April 1984. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Habib American Bank's data.
Habib American Bank's data
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Habib American 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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