Applications / Mortgage Analytics / Lenders / New York / Wallkill Valley Federal Savings and Loan Association
Wallkill, NY · Savings institution · OCC · $465 million assets · 101 loans in 2025
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101
loans originated, 2025
142
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wallkill Valley Federal Savings and Loan Association is a home-purchase lender that ranks 11th of 184 lenders in Kingston, New York.
Purchases made up 76.2% of its 101 loans in 2025 and refinances 17.8%. Its typical loan was $415,000, higher than at about four in five similar lenders, savings institutions making between half and twice as many loans, whose typical loan was $245,000. Its loans rose 7%, close to peers' 5%.
Kingston is its main market. It has lent there since at least 1990 and holds 2.6% of lending, 11th of 184, behind Ulster Savings Bank and Hudson Valley Credit Union at the top. In the larger Kiryas Joel-Poughkeepsie-Newburgh market it holds 0.3%, 60th of 282. All its lending is in New York.
Borrowers with low or moderate incomes (LMI) took 10.2% of its loans, against 24.3% at the typical peer, among the lowest tenth of its group. Poorer neighborhoods (LMI tracts) took 9.9%, against 17.0%. A book of large purchase loans tends to draw higher earners, which may account for much of the gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wallkill Valley Federal Savings and Loan Association took 142 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.2% · Refinance 17.8% · Home improvement 4.0% · Other 2.0%
Conventional 100.0% · of 101 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 | 101 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingston | 56 |
| Kiryas Joel-Poughkeepsie-Newburgh | 33 |
| New York-Jersey City-White Plains | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BDZCCADL2HG292 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 7072 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42528 | 2004–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1702528 | 2011–2017 |
Established 1 January 1913. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Wallkill Valley Federal Savings and Loan Association's data.
Wallkill Valley Federal Savings and Loan Association's data
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Wallkill Valley Federal Savings and Loan Association 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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