Applications / Mortgage Analytics / Lenders / New York / Walden Savings Bank
Montgomery, NY · Savings institution · OCC · $968 million assets · 169 loans in 2025
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169
loans originated, 2025
223
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Walden Savings Bank is a Hudson Valley savings bank that has lent there since 1990 and holds a steady place in its home markets, mostly on house purchases.
In Kiryas Joel-Poughkeepsie-Newburgh it held 1.0% of the market, unchanged, ranking 25 of 282 lenders; Hudson Valley Credit Union leads there. In Kingston its share rose to 1.2% from 1.0%, ranking 21 of 184. Elsewhere, including New York City, its presence is slight.
Purchases made up 69.2% of its loans, refinances 14.8% and home-improvement loans 10.7%. Every loan was conventional, with none backed by the government.
It denied 2.6% of first-lien purchase applications on owner-occupied homes, against 7.5% at similar lenders (savings institutions making between half and twice as many loans). That is lower than at more than four in five of the peers with a rate.
It made 169 loans in 2025, down 3% from 175, while similar lenders grew 5% and the whole market 10%. Its lending has fallen each year since 2020, when it made 530 loans, and the data do not show why.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Walden Savings Bank took 223 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.2% · Refinance 14.8% · Home improvement 10.7% · Other 5.3%
Conventional 100.0% · of 169 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 | 167 | 98.8% |
| New Jersey | 1 | 0.6% |
| Pennsylvania | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kiryas Joel-Poughkeepsie-Newburgh | 102 |
| Kingston | 32 |
| New York-Jersey City-White Plains | 7 |
| Albany-Schenectady-Troy | 1 |
| Binghamton | 1 |
| Newark | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W2DSERWC01YR18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 341310 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315987 | 1990–2006 |
| Respondent ID (the HMDA filer code before 2018) | 418043 | 2007–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1718043 | 2011–2017 |
Established 1 April 1872. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Walden Savings Bank's data.
Walden Savings Bank's data
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Walden 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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