Applications / Mortgage Analytics / Lenders / New York / Patriot One Mortgage Bankers
Mineola, NY · Independent non-bank lender · CFPB · 86 loans in 2025
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86
loans originated, 2025
112
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Patriot One Mortgage Bankers is a small New York lender whose loans are about twice the size of its peers' and go unusually often to lower-income borrowers and majority-minority neighborhoods.
Patriot One Mortgage Bankers made 86 loans in 2025, with a typical size of $575,000. Similar lenders, meaning independent non-bank lenders making between half and twice as many loans, typically lent $285,000, and only about one in twenty lent more. So although it made slightly fewer loans than the typical peer, its $50.1 million in lending was higher than at four in five of them.
Some 38.4% of its borrowers had low or moderate incomes (LMI), about double the peers' 19.4%, and 30.2% of its loans were in LMI neighborhoods, against 18.5%. Most of its loans, 69.8%, were in majority-minority neighborhoods, against 25.0% at peers. On 86 loans these shares can move a lot from year to year.
Refinances made up 46.5% of its loans and purchases the rest. About a fifth were insured by the Federal Housing Administration (FHA), somewhat above the peers' 13.9%.
Its loans rose 21% in 2025, faster than three-quarters of similar lenders and than the whole market's 10%. It made 165 loans in 2021, so it remains about half that size. In the past two years it has begun lending in Tampa, Orlando and Philadelphia, though its shares there are tiny.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Patriot One Mortgage Bankers took 112 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.5% · Refinance 46.5%
Conventional 80.2% · FHA 19.8% · of 86 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 | 77 | 89.5% |
| New Jersey | 6 | 7.0% |
| Florida | 2 | 2.3% |
| Connecticut | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 53 |
| Nassau County-Suffolk County | 23 |
| Kiryas Joel-Poughkeepsie-Newburgh | 4 |
| Camden | 2 |
| Newark | 1 |
| New Haven | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YQJU3WVKMRXR40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3944673 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7202029302 |
Established 3 December 2004. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Patriot One Mortgage Bankers's data.
Patriot One Mortgage Bankers's data
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Patriot One Mortgage Bankers 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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