Applications / Mortgage Analytics / Lenders / New York / Ponce Bank
Bronx, NY · National bank · OCC · $3.2 billion assets · 88 loans in 2025
Ponce Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
88
loans originated, 2025
132
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ponce Bank, a Bronx lender, makes more than half its home loans in majority-minority neighborhoods, though its loan count fell for a third year in 2025.
Some 54.5% of its loans went to majority-minority neighborhoods, against 7.7% at similar lenders (national banks making between half and twice as many loans), higher than nearly all of them. Its lending centers on the New York metro area, where it has lent since at least 1990 and ranks 192 of 802 lenders.
Its typical loan was $495,000, against $175,000 at peers, larger than about nine in ten. Home purchases made up 73.9% of its lending.
It made 88 loans, down 42% from 153 and from 280 in 2022. Similar lenders grew 7% and the whole market 10%; almost none fell as far. The figures do not show why, but 2022 was the outlier: it made 99 loans in 2018 and 101 in 2020, so part of the fall may be a return to earlier levels.
Low- and moderate-income (LMI) borrowers took 16.1% of its loans, against 23.2% at peers, lower than about seven in ten. Large purchase loans tend to go to higher earners, which may explain it. LMI neighborhoods took 20.4%, above peers' 16.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ponce Bank took 132 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.9% · Refinance 18.2% · Other 6.8% · Home improvement 1.1%
Conventional 100.0% · of 88 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 | 58 | 65.9% |
| New Jersey | 25 | 28.4% |
| Pennsylvania | 3 | 3.4% |
| Connecticut | 1 | 1.1% |
| Florida | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 54 |
| Nassau County-Suffolk County | 13 |
| Newark | 8 |
| Binghamton | 3 |
| Lakewood-New Brunswick | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Rochester | 2 |
| Bridgeport-Stamford-Danbury | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K0ZDYG8YJZ3L95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 897170 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46509 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706509 | 2011–2017 |
Established 31 March 1960. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Ponce Bank's data.
Ponce Bank's data
$215
Ponce 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.
Buy Ponce Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]