Applications / Mortgage Analytics / Lenders / New York / Bank of Millbrook
Millbrook, NY · State member bank · FRS · $308 million assets · 22 loans in 2025
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22
loans originated, 2025
28
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Millbrook has lent in the Poughkeepsie area of New York since 1990, though it made only 22 home loans in 2025.
Similar lenders, here state member banks making between half and twice as many loans, typically lent $232,500 a loan. Bank of Millbrook's typical loan was $445,000 in 2025 and $325,000 in 2024, when it made 31 loans. Its 22 loans of 2025 are too few to read much into, but both years point to larger loans than at a typical similar lender.
Its loans fell 29%, from 31 to 22, while similar lenders made 6% fewer and the whole market grew 10%. Its total of $11.6 million was near the middle of its peers, helped by its large loans. With so few loans, a handful more or less makes the difference.
It has lent in the Kiryas Joel-Poughkeepsie-Newburgh metro since 1990 and ranked 67 of 282 lenders there. Its share edged up to 0.3% from 0.2%. Hudson Valley Credit Union and Rocket Mortgage led. Filings of Stissing National Bank, with which it merged in 2010, count as its own in these figures.
It made 35 loans in 2018 and 38 in 2019, then filed no report for 2020 to 2022, which a small bank may skip. Those years are gaps, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bank of Millbrook took 28 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.5% · Refinance 22.7% · Other 18.2% · Home improvement 4.5%
Conventional 100.0% · of 22 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 | 22 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kiryas Joel-Poughkeepsie-Newburgh | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009JMGPU64G0O296 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 175609 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2175609 | 1990–2017 |
Established 18 May 1891. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Millbrook's data.
Bank of Millbrook's data
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Bank of Millbrook 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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