Applications / Mortgage Analytics / Lenders / New York / Sawyer Savings Bank
Saugerties, NY · Savings institution · FDIC · $288 million assets · 61 loans in 2025
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61
loans originated, 2025
83
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sawyer Savings Bank, a small savings bank in Saugerties, New York, lends on manufactured homes, which most similar lenders do not, and grew its lending by a fifth in 2025.
Manufactured homes accounted for 14.8% of its loans. The typical similar lender (another savings institution making between half and twice as many loans) made none, and the bank's share was higher than at more than nine in ten of them. With only 61 loans in all, that is a handful, but it marks a line of business its peers largely leave alone.
Its originations rose 20% in 2025, from 51, while similar lenders grew 1% and the whole market 10%. That was faster than about seven in ten of its peers. It remains a smaller lender than it was: it made 134 loans in 2020 and 138 in 2021. It may have chosen to lend less for a time; the figures do not say why lending fell.
Kingston is its largest market, where it has reported loans since 2004. It ranks 24 of 184 lenders there, with 1.1% of lending. Ulster Savings Bank and Hudson Valley Credit Union led the market.
Home purchases made up 60.7% of its loans, refinancing 16.4% and home improvement 14.8%. Every loan was conventional, and its typical loan, $245,000, matched that of similar lenders. Low- and moderate-income borrowers took 22.9% of its loans, 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sawyer Savings Bank took 83 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.7% · Refinance 16.4% · Home improvement 14.8% · Other 8.2%
Conventional 100.0% · of 61 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 | 61 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingston | 38 |
| Kiryas Joel-Poughkeepsie-Newburgh | 5 |
| Albany-Schenectady-Troy | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J59G4M2OH83E71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 605610 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316039 | 2004–2017 |
Established 6 April 1871. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Sawyer Savings Bank's data.
Sawyer Savings Bank's data
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Sawyer 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.
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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.
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