Applications / Mortgage Analytics / Lenders / New York / Cross County Savings Bank
Middle Village, NY · Savings institution · FDIC · $530 million assets · 21 loans in 2025
Cross County Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
21
loans originated, 2025
29
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cross County Savings Bank, a savings bank in Middle Village, New York, with $530 million in assets, made 21 home loans in 2025, too few to say much about how it lends.
It made 21 loans in 2025, up from 14 in 2024. It filed no report for 2020, 2021 or 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending. It made 57 loans in 2018 and 48 in 2019.
Among similar lenders, savings institutions making between half and twice as many loans, the typical one made 32. With 21 loans, its shares, loan sizes and rates would turn on a handful of borrowers, so they say little about the kind of lender it is or how it compares.
It has reported since 1990 and lends in two metros and seven counties, all in New York. Once Cross County Federal Savings and Loan Association, it took its present name in 2012. In the New York metro, a market of 802 lenders led by JPMorgan Chase Bank, it ranks 353.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Cross County Savings Bank took 29 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.9% · Purchase 38.1%
Conventional 100.0% · of 21 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 | 21 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 13 |
| Nassau County-Suffolk County | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005O94DAZVV0P036 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1007873 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45066 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1705066 | 2011–2011 |
| Respondent ID (the HMDA filer code before 2018) | 330260 | 2012–2017 |
Established 1 January 1888. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Cross County Savings Bank's data.
Cross County Savings Bank's data
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