Applications / Mortgage Analytics / Lenders / New York / Generations Bank
Seneca Falls, NY · Savings institution · OCC · $347 million assets · 4 loans in 2025
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4
loans originated, 2025
4
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Generations Bank, a savings bank in Seneca Falls, New York, made only four home loans of its own in 2025, down from 157 in 2019.
Its own lending has fallen every year since 2019: 62 loans in 2022, 35 in 2023, seven in 2024 and four in 2025. It also bought loans made by others, 13 in 2025 against 42 a year earlier. Some of its mortgage business may come through such purchases rather than through loans it makes itself.
Similar banks (savings institutions making between an eighth and eight times as many loans) made 22 loans in a typical case. With four loans of its own, the bank's mix of purposes, its borrowers' incomes and its neighborhoods say nothing reliable, and a single loan more or less changes every share.
The bank first reported in 2004 and took the name Generations Bank in 2012, after trading as Seneca Falls Savings Bank. In 2018 it merged with Medina Savings and Loan Association. Its loans stay in one state and two counties. In Rochester, with so few loans, it ranks 249 of 251 lenders, which says more about its size than about its standing.
Similar lenders: same lender type, originations between an eighth and eight times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Generations Bank took 4 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 75.0% · Other 25.0%
Conventional 100.0% · of 4 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 | 4 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YV0O58MHFPZV28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 442011 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316040 | 2004–2005 |
| Respondent ID (the HMDA filer code before 2018) | 418024 | 2007–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1718024 | 2011–2017 |
Established 21 May 1870. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Generations Bank's data.
Generations Bank's data
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