Applications / Mortgage Analytics / Lenders / New York / The First National Bank of Groton
Groton, NY · National bank · OCC · $203 million assets · 68 loans in 2025
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68
loans originated, 2025
76
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Groton makes nearly half its loans to lower-income households, many on manufactured homes, and in 2025 gained share in Ithaca.
Manufactured homes made up 22.1% of its loans, against 1.2% at a typical similar lender (national banks making between half and twice as many loans), a higher share than nearly all of them. Home improvement took 17.6% and other purposes 19.1%. Its typical loan was $125,000, against $180,000 at peers.
Low- and moderate-income (LMI) borrowers took 48.3% of its loans, about double the 23.4% at peers and up from 33.9%. Manufactured homes and small loans may account for much of that. Yet only 1.5% of its loans went to LMI neighborhoods, against 16.2% at peers; its five counties in New York may hold few of them.
In Ithaca its share rose from 0.6% to 1.0%, and it ranks 15 of 102. Tompkins Bank & Trust leads with $105.5M. The bank has lent there since 2000.
It made 68 loans, against 66 a year before. It made 100 a year in 2018 and 2019; it filed no report for 2020 to 2022.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Groton took 76 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.2% · Refinance 22.1% · Other 19.1% · Home improvement 17.6%
Conventional 100.0% · of 68 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 | 68 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ithaca | 29 |
| Binghamton | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009DWV1Z50JILS65 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 917500 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11083 | 2000–2017 |
Established 1 May 1865. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Groton's data.
The First National Bank of Groton's data
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The First National Bank of Groton 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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