Applications / Mortgage Analytics / Lenders / New York / National Bank of Coxsackie
Coxsackie, NY · National bank · OCC · $512 million assets · 55 loans in 2025
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55
loans originated, 2025
109
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
National Bank of Coxsackie lends far more in poorer neighborhoods than most banks of its size, though it makes a fraction of the loans it did in 2022.
Low- and moderate-income (LMI) neighborhoods took 35.2% of its loans in 2025, against 16.7% at similar lenders, national banks making between half and twice as many loans. That is about double, and higher than at about six in seven of them. LMI borrowers took 35.5% of its loans, against 23.2%.
It made 55 loans, up 8% from 51 in 2024, against 2% growth at similar lenders. But it made 354 loans in 2022 and 272 in 2020. Most of the fall came in 2023 and 2024. One possibility is that refinancing swelled the earlier years; it made up only 16.4% of its loans in 2025.
Home purchases were 41.8% of its loans and home improvement 29.1%. Its typical loan was $155,000, against $185,000 at similar lenders, and it made no jumbo loans. Every loan was conventional, with none backed by a government agency.
In Albany-Schenectady-Troy, where it has lent since at least 1990, its share rose from 0.1% to 0.2%. That placed it 62 of 265 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. National Bank of Coxsackie took 109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.8% · Home improvement 29.1% · Refinance 16.4% · Other 12.7%
Conventional 100.0% · of 55 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 | 55 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany-Schenectady-Troy | 28 |
| Glens Falls | 1 |
| Kingston | 1 |
| Utica-Rome | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KOLMR4MSUXQS86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 234506 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11398 | 1990–2017 |
Established 1 January 1852. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: National Bank of Coxsackie's data.
National Bank of Coxsackie's data
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National Bank of Coxsackie 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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