Applications / Mortgage Analytics / Lenders / New Jersey / Schuyler Savings Bank
Kearny, NJ · Savings institution · FDIC · $147 million assets · 26 loans in 2025
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26
loans originated, 2025
47
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Schuyler Savings Bank, a Kearny, New Jersey, savings bank that has reported since 1990, makes a few dozen home loans a year, most of them for purposes other than buying a home.
Of its 26 loans in 2025, 46.2% were for other purposes, 26.9% for home purchase, 19.2% for home improvement and 7.7% refinances. All were conventional and none was jumbo. Its typical loan was $205,000, close to the $225,000 at similar lenders (savings institutions making between half and twice as many loans).
Its loans rose 24%, from 21 to 26, while similar lenders shrank 7%. That is still well below the 60 loans it made in 2021. With so few loans, its shares of lending to poorer borrowers and neighborhoods are too small to compare with other lenders.
It bought 51 loans from other lenders in 2025, after buying one in 2024 and two in 2020. That is more than it made itself. Whether this is a new line of business or a one-off purchase cannot be told from one year.
It lends in eight counties across three metros, all in New Jersey. In the New York-Newark-Jersey City market, where it has been present since 1990, it ranked 467 of 802 lenders; JPMorgan Chase Bank and Wells Fargo Bank led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Schuyler Savings Bank took 47 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 46.2% · Purchase 26.9% · Home improvement 19.2% · Refinance 7.7%
Conventional 100.0% · of 26 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 Jersey | 26 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 17 |
| Newark | 6 |
| Lakewood-New Brunswick | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TZKHQ9DT85IC97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 657178 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44683 | 1990–1993 |
| Respondent ID (the HMDA filer code before 2018) | 330072 | 1994–2017 |
Established 1 January 1924. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Schuyler Savings Bank's data.
Schuyler Savings Bank's data
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Schuyler Savings 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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