Applications / Mortgage Analytics / Lenders / New York / Empire State Bank
Staten Island, NY · State member bank · FRS · $617 million assets · 28 loans in 2025
Empire State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
28
loans originated, 2025
35
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Empire State Bank, a Staten Island bank with $617 million in assets, made just 28 home loans in 2025, too few for most comparisons with its peers.
Its 28 loans compare with 32 the year before, 94 in 2023 and 133 in 2018. It filed no report from 2020 to 2022, a gap in the record rather than evidence of no lending. Similar lenders, state member banks making between half and twice as many loans, typically made 37.
Its typical loan was $695,000, against $215,000 for similar lenders, and its loans came to $22.5 million, more than most peers lent. With only 28 loans, a handful of large ones can set both figures, so neither says much about its usual lending.
Purchases made up 82.1% of its loans and refinancing the rest. Every loan was conventional, with no government guarantee. Shares of particular borrower groups or neighborhoods rest on only a few loans at this size and are best left unread.
It first reported in 2006 and lends in 2 states. In the New York market it ranked 340 of 802 lenders, a small presence in a very large market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Empire State Bank took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.1% · Refinance 17.9%
Conventional 100.0% · of 28 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 | 26 | 92.9% |
| New Jersey | 2 | 7.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 27 |
| Lakewood-New Brunswick | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G86QJ4YLR90O89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3277241 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124445 | 2006–2008 |
| Respondent ID (the HMDA filer code before 2018) | 23277241 | 2009–2017 |
Established 28 June 2004. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Empire State Bank's data.
Empire State Bank's data
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Empire State Bank 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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