Applications / Mortgage Analytics / Lenders / New York / ARK Mortgage
Montebello, NY · Independent non-bank lender · CFPB · 1,056 loans in 2025
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1,056
loans originated, 2025
1,592
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ARK Mortgage, a New York lender that has reported since 1990, makes a larger share of its loans in poorer neighborhoods than any similar lender.
Some 44.0% of its loans went to low- and moderate-income neighborhoods, against 18.6% at similar lenders (independent non-bank lenders making between half and twice as many loans). No peer had a higher share. It has long lent this way: the figure was 58.0% in 2020.
Every loan it made in 2025 was conventional, where similar lenders made 21.9% of theirs insured by the Federal Housing Administration. Its typical loan was $465,000, against $315,000, larger than at nearly nine in ten peers. Purchases made up 49.0% of its lending, refinancing 40.4% and other purposes 10.6%.
Its loans rose 6% to 1,056, near the middle of similar lenders and behind the whole market's 10%. That is well short of the 2,012 it made in 2021, though up from a low of 694 in 2023.
In Kiryas Joel-Poughkeepsie-Newburgh, a market it entered in 1997, it ranked 12 of 282 lenders, but its share slipped to 2.0% from 2.8%. In 2025 it also began lending in Los Angeles-Long Beach-Anaheim, Punta Gorda and Buffalo-Cheektowaga; spreading its lending over new markets, or keener competition, may explain the slip.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ARK Mortgage took 1,592 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.0% · Refinance 40.4% · Other 10.6%
Conventional 100.0% · of 1,056 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 | 595 | 56.3% |
| New Jersey | 351 | 33.2% |
| Pennsylvania | 43 | 4.1% |
| Florida | 26 | 2.5% |
| Connecticut | 10 | 0.9% |
| Arizona | 7 | 0.7% |
| California | 3 | 0.3% |
| Indiana | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 329 |
| Lakewood-New Brunswick | 249 |
| Kiryas Joel-Poughkeepsie-Newburgh | 176 |
| Trenton-Princeton | 48 |
| Philadelphia | 36 |
| Newark | 29 |
| Nassau County-Suffolk County | 21 |
| Miami-Miami Beach-Kendall | 11 |
| Camden | 8 |
| New Haven | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008VCYW25D52ZC98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3873522 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 73030909998 | 1990–2017 |
Established 5 December 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: ARK Mortgage's data.
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ARK Mortgage 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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