Applications / Mortgage Analytics / Lenders / New York / Rondout Savings Bank
Kingston, NY · Savings institution · FDIC · $512 million assets · 54 loans in 2025
Rondout Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
54
loans originated, 2025
89
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rondout Savings Bank, a Kingston savings bank, has cut its home lending from 403 loans in 2021 to 54 in 2025, and the loans it still makes are larger than those of similar lenders.
The bank's loans peaked at 403 in 2021, then fell to 139 in 2023 and 54 in 2025. The slide continued last year: its loans fell 7%, while similar lenders, savings institutions making between half and twice as many loans, held steady and the whole market grew 10%. What lies behind so steep a fall is an open question.
Purchases make up 81.5% of its loans and refinancing only 13.0%. Its typical loan, $360,000, is larger than at about seven in ten similar lenders, where it is $245,000. Yet it made no jumbo loans (those larger than the conforming limit) in 2025, against 10.8% five years before.
Kingston is its largest market. It has lent there since 2004 and ranks 20 of 184. Its share slipped from 1.7% to 1.3% as its own lending shrank. Ulster Savings Bank and Hudson Valley Credit Union lead.
Low- and moderate-income (LMI) borrowers took 21.7% of its loans, below the 26.1% at similar lenders, though up from 12.4% five years before. Its larger typical loan may point to better-off buyers. In poorer neighborhoods its share of lending, 16.7%, is near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rondout Savings Bank took 89 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.5% · Refinance 13.0% · Other 3.7% · Home improvement 1.9%
Conventional 100.0% · of 54 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 | 54 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingston | 37 |
| Kiryas Joel-Poughkeepsie-Newburgh | 10 |
| Albany-Schenectady-Troy | 2 |
| New York-Jersey City-White Plains | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ODXRVTZ21MSR34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 425108 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315969 | 2004–2017 |
Established 24 March 1868. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Rondout Savings Bank's data.
Rondout Savings Bank's data
$215
Rondout Savings 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 Rondout Savings 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]