Bank of Richmondville
Bank of Richmondville received 50 applications in 2025 and made 44 mortgages, in 6 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $105,000. Of 50 decisions, 2 were denials — 4.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300SPVF3S3T0BYL87 |
|---|---|
| Applications received | 50 |
| Mortgages made | 44 |
| Denied | 2 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.271 points |
| FDIC-insured bank | Yes: Bank of Richmondville, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 19 | 6.500% | $145,000 | 4.4% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 17 | 7.000% | $55,000 | 5.6% |
Where Bank of Richmondville lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Schoharie County, NY | 34 | 6.625% | 2.6% |
| Otsego County, NY | 5 | Under 10 loans | 14.3% |
| Schenectady County, NY | 2 | Under 10 loans | 0.0% |
| Albany County, NY | 1 | Under 10 loans | 0.0% |
| Delaware County, NY | 1 | Under 10 loans | 0.0% |
| Montgomery County, NY | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Bank of Richmondville’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.