Applications / Mortgage Analytics / Lenders / New York / The First National Bank of Dryden
Dryden, NY · National bank · OCC · $203 million assets · 61 loans in 2025
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61
loans originated, 2025
73
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Dryden is a small upstate New York lender with an unusual sideline in manufactured homes, and it gained ground in Ithaca in 2025.
Manufactured homes made up 13.1% of its loans, against 1.2% at a typical similar lender (national banks making between half and twice as many loans). Loans for other purposes took 18.0% and home improvement 8.2%. Its typical loan, $155,000, was below peers' $180,000, which fits that mix.
In Ithaca its share rose from 0.6% to 1.0%, and it ranks 14 of 102 lenders. Tompkins Bank & Trust leads with $105.5M. The bank has lent there since 2004. Its total lending rose to $11.4 million from $10.0 million while its count barely changed, at 61.
Low- and moderate-income (LMI) borrowers took 29.4% of its loans, against 22.5% at peers, higher than about two-thirds of them. Its share in LMI neighborhoods, 15.0%, sits near peers' 16.4%.
It made 91 loans in 2023, then 62 and 61. It filed no report for 2020 to 2022, so those years are a gap in the record.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. The First National Bank of Dryden took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.0% · Refinance 32.8% · Other 18.0% · Home improvement 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 |
|---|---|
| Ithaca | 21 |
| Binghamton | 3 |
| Syracuse | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005SKP81W00YW119 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 241009 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16487 | 2004–2017 |
Established 1 January 1902. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Dryden's data.
The First National Bank of Dryden's data
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The First National Bank of Dryden 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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