Applications / Mortgage Analytics / Lenders / New York / Rhinebeck Bank
Rhinebeck, NY · Savings institution · FDIC · $1.3 billion assets · 82 loans in 2025
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82
loans originated, 2025
94
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rhinebeck Bank, a New York savings bank, makes bigger loans than most similar lenders, though it now makes about a fifth as many as in 2020.
Its typical loan in 2025 was $330,000, against $245,000 at the typical similar lender (savings institutions making between half and twice as many loans), larger than about seven in ten of them. So its 82 loans added up to $45.8 million, more than the $29.4 million of the typical peer. Purchases were 65.9% of its lending.
The bank made 375 loans in 2020 and 82 in 2025. The count steadied last year, rising 5%, in line with similar lenders, while the whole market grew 10%. Nothing in the record explains the earlier decline.
In Kingston it ranks 23 of 184 lenders and its share rose to 1.1% from 0.9%; Ulster Savings Bank leads there. In its largest market, around Poughkeepsie and Newburgh, it ranks 40 of 282, with 0.7% of the dollars, down from 0.8%. Its Albany share fell from 0.4% to almost nothing, while in Glens Falls it rose from nothing to 0.3%. With so few loans, a handful moving between markets could account for these shifts.
Every loan it made was conventional, with no government backing, as at most of its peers. Some 9.8% went to majority-minority neighborhoods, against 6.7% at similar 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rhinebeck Bank took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.9% · Refinance 28.0% · Other 4.9% · Home improvement 1.2%
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 | 82 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kiryas Joel-Poughkeepsie-Newburgh | 50 |
| Kingston | 19 |
| Albany-Schenectady-Troy | 1 |
| Glens Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G4F3X6FTMZP579 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 195111 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316032 | 1990–2017 |
Established 12 April 1860. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Rhinebeck Bank's data.
Rhinebeck Bank's data
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Rhinebeck 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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