Applications / Mortgage Analytics / Lenders / New York / Jeff Bank
Jeffersonville, NY · National bank · OCC · $662 million assets · 82 loans in 2025
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82
loans originated, 2025
197
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jeff Bank lends mostly to home buyers in rural New York, and nearly a fifth of its loans are for manufactured homes, far more than at similar banks.
Manufactured homes made up 18.3% of its loans in 2025, against 1.6% at similar lenders (national banks making between half and twice as many loans), a higher share than at more than nine in ten of them. Purchases made up 74.4% of its lending. Whether these loans are secured by land as well as the home is a question the figures cannot settle.
It made 82 loans in 2025, down 1% from 83, while similar lenders grew 7% and the whole market 10%. That is well below the 179 loans of 2021 and the 124 of five years before. Its typical loan rose to $215,000 from $165,000.
Its share of the Kingston, NY market rose to 0.2% from 0.1%, and it ranks 71 of 184 lenders there; Ulster Savings Bank leads. In Kiryas Joel-Poughkeepsie-Newburgh its share rose to 0.1%. It has reported in both since 2017, its first year under HMDA.
Just 7.5% of its loans went to low- and moderate-income (LMI) neighborhoods, against 16.0% at similar lenders, lower than about four in five. Its share of LMI borrowers, 19.7%, is near the middle. With lending in only six counties, the number of poorer neighborhoods within reach may be small.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jeff Bank took 197 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.4% · Home improvement 9.8% · Other 8.5% · Refinance 7.3%
Conventional 100.0% · of 82 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 | 74 | 90.2% |
| Pennsylvania | 8 | 9.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kiryas Joel-Poughkeepsie-Newburgh | 9 |
| Kingston | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q1QXZDN5R0UD44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 306908 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 37123 | 2017–2017 |
Established 1 October 1913. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Jeff Bank's data.
Jeff Bank's data
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Jeff 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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