Applications / Mortgage Analytics / Lenders / New York / NorthEast Community Bank
White Plains, NY · Savings institution · FDIC · $2.1 billion assets · 39 loans in 2025
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39
loans originated, 2025
40
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NorthEast Community Bank makes few home loans but very large ones: its typical loan in 2025 was $1.9 million.
Its typical loan was $1.9 million, against $245,000 at similar lenders (savings institutions making between half and twice as many loans), higher than at almost all of them. Most of its loans, 89.7%, were refinances. Its typical rate, 5.70%, was the lowest among its peers, where the typical rate was 6.62%.
It made 39 loans in 2025, after 26 in 2023 and seven in 2024. It filed no report for 2018 to 2022, a gap in the record rather than years without lending. With so few loans, its year-to-year changes say little.
Of its loans, 43.6% went to low- and moderate-income neighborhoods, against 16.7% at peers, and 46.2% to majority-minority neighborhoods, against 7.2%. Both shares are higher than at nine in ten peers or more.
It has lent in the New York area since at least 1990 and ranks 230 of 802 there. In 2025 its share rose in Worcester, Kiryas Joel-Poughkeepsie-Newburgh and Barnstable Town, which it entered that year. It ranks 70 of 282 in Kiryas Joel-Poughkeepsie-Newburgh, a market led by Hudson Valley Credit Union.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. NorthEast Community Bank took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 89.7% · Purchase 7.7% · Home improvement 2.6%
Conventional 100.0% · of 39 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 | 25 | 64.1% |
| Massachusetts | 14 | 35.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 24 |
| Cambridge-Newton-Framingham | 9 |
| Boston | 2 |
| Worcester | 2 |
| Barnstable Town | 1 |
| Kiryas Joel-Poughkeepsie-Newburgh | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500I870D8FFWCE112 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 823478 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42995 | 1990–1995 |
| Respondent ID (the HMDA filer code before 2018) | 329147 | 2013–2017 |
Established 1 September 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: NorthEast Community Bank's data.
NorthEast Community Bank's data
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NorthEast Community 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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