Applications / Mortgage Analytics / Lenders / New Jersey / Lusitania Savings Bank
Newark, NJ · Savings institution · FDIC · $404 million assets · 57 loans in 2025
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57
loans originated, 2025
78
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lusitania Savings Bank makes larger loans than its peers, half of them in majority-minority neighborhoods, but its lending shrank sharply in 2025.
Its loans fell 37% to 57, while similar lenders, the savings institutions making between half and twice as many loans, were up 1%. Few of its peers shrank as much. It made 173 loans in 2021. With so few loans, one year's fall may reflect a handful of deals.
Its typical loan, $375,000, was larger than the $245,000 at similar lenders, and larger than three-quarters of them. Purchases made up 45.6% of its loans, refinances 26.3% and home improvement 22.8%.
50.9% of its loans went to majority-minority neighborhoods, against 7.6% at similar lenders, higher than nearly all of them. Poorer neighborhoods (low- and moderate-income tracts) took 33.3%, against 17.0%. Low- and moderate-income borrowers took only 12.8%, against 26.1%; its larger loans may go to buyers with higher incomes in those areas.
It has lent in the New York area since 1995, its first year of reporting, and ranks 321 of 802 lenders there. All its loans were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lusitania Savings Bank took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.6% · Refinance 26.3% · Home improvement 22.8% · Other 5.3%
Conventional 100.0% · of 57 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 | 57 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Newark | 32 |
| New York-Jersey City-White Plains | 12 |
| Lakewood-New Brunswick | 10 |
| Allentown-Bethlehem-Easton | 1 |
| Atlantic City-Hammonton | 1 |
| Camden | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SXHTIGZ7X3CS43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 385686 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 412260 | 1995–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1712260 | 2011–2011 |
| Respondent ID (the HMDA filer code before 2018) | 334058 | 2012–2017 |
Established 1 September 1995. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Lusitania Savings Bank's data.
Lusitania Savings Bank's data
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