HMDA records
1,341
2025
Public institution profile · Bank · Not a recommendation
Arrow Bank National Association
BankGlens Falls, NYActive
FDIC certificate 7074
Data observedAugust 5, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 7074
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 866000
- OCC charter number
- 7699
- Not published — no verified match
- Official website
- https://www.arrowbank.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Glens Falls, NY
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 56
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 6 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Glens Falls, NY
- activity
- Published activity year 2025
- Listed branch locations
- 56
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 6 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
1,341reported records
847reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
847
2025
Denials
221
2025
Withdrawals
189
2025
Denial rate among decisioned applications
20.5%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 1,341 | 847 | 10 | 221 | 189 | 20.5% |
| 2024 | 879 | 522 | 9 | 133 | 120 | 20.0% |
| 2023 | 801 | 497 | 5 | 139 | 109 | 21.7% |
| 2022 | 1,119 | 700 | 4 | 171 | 180 | 19.5% |
| 2021 | 1,268 | 833 | 7 | 149 | 199 | 15.1% |
| 2020 | 1,298 | 859 | 91 | 168 | 149 | 15.0% |
| 2019 | 1,082 | 683 | 77 | 160 | 86 | 17.4% |
| 2018 | 1,046 | 684 | 86 | 138 | 72 | 15.2% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 1,310 |
| FHA | 25 |
| VA | 6 |
| RHS / FSA | 0 |
| Home purchase | 659 |
| Home improvement | 333 |
| Refinancing | 154 |
| Cash-out refinancing | 37 |
State reporting
2 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Arrow Bank National Association
- Display name
- Arrow Bank National Association
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 1, 1851
- Charter class
- National bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Office of the Comptroller of the Currency
- Headquarters
- Glens Falls, NY, 12801, United States
- Website
- https://www.arrowbank.com
- FDIC certificate number
- 7074
- Federal Reserve
- 866000
- OCC charter number
- 7699
- Domestic location count
- 38
- Source observed
- August 5, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- OCC
- Institution type
- National Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 7074
- Federal Reserve
- 866000
- 549300ERHDU3FCE3FA33
- Headquarters
- 250 Glen Street, Glens Falls, NY, 12801, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
No published CRA result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
Formal hierarchy
FFIEC NIC hierarchy rows
7
Showing 1 through 7 of 7 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | ADIRONDACK INSURANCE SERVICES, INC. | Domestic Entity Other | Holland Patent, NY |
| Direct relationship | ARROW PROPERTIES, INC. | Domestic Entity Other | Glens Falls, NY |
| Direct relationship | GLENS FALLS NATIONAL COMMUNITY DEVELOPMENT CORPORATION | Domestic Entity Other | Glens Falls, NY |
| Direct relationship | NC FINANCIAL SERVICES, INC. | Domestic Entity Other | Glens Falls, NY |
| Direct relationship | NORTH COUNTRY INVESTMENT ADVISERS, INC. | Domestic Entity Other | Glens Falls, NY |
| Direct relationship | UPSTATE AGENCY, LLC | Domestic Entity Other | South Glens Falls, NY |
| ROOT_INSTITUTION | ARROW BANK NATIONAL ASSOCIATION | National Bank | Glens Falls, NY |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured national bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
56
Showing 1 through 50 of 56 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ARGYLE OFFICE | 93 Main Street | Argyle | NY | 12809 |
| BOONVILLE BRANCH | 13150 State Route 12 | Boonville | NY | 13309 |
| CAMBRIDGE BRANCH | 25 West Main Street | Cambridge | NY | 12816 |
| CHESTER-SCHROON-HORICON BRANCH | 6353 State Route 9 | Chestertown | NY | 12817 |
| CLIFTON PARK BRANCH | 386 Clifton Park Center Road | Clifton Park | NY | 12065 |
| COLONIE OFFICE | 501 New Karner Road | Colonie | NY | 12205 |
| CORINTH OFFICE | 238 Main Street | Corinth | NY | 12822 |
| FORT ANN POST BRANCH | 110 George Street | Fort Ann | NY | 12827 |
| FORT EDWARD OFFICE | 343 Broadway | Fort Edward | NY | 12828 |
| BROAD STREET PLAZA OFFICE | Four Broad Street Plaza | Glens Falls | NY | 12801 |
| GRANVILLE OFFICE | 8646 State Route 22 | Granville | NY | 12832 |
| GREENWICH DRIVE IN | 1153 State Route 29 | Greenwich | NY | 12834 |
| HERKIMER BRANCH | 214 North Washington Street | Herkimer | NY | 13350 |
| HOLLAND PATENT BRANCH | 9576 Main Street | Holland Patent | NY | 13354 |
| KINGSBURY OFFICE | 3019 State Route 4 | Hudson Falls | NY | 12839 |
| ILION OFFICE | 296 West Main Street | Ilion | NY | 13357 |
| LAKE GEORGE OFFICE | 2252 State Route 9 | Lake George | NY | 12845 |
| LUZERNE BRANCH | 15 Main Street | Lake Luzerne | NY | 12846 |
| COLD BROOK PLAZA EAST BRANCH | 38 Hadjis Way | Lake Placid | NY | 12946 |
| LAKE PLACID DOWNTOWN BRANCH | 2426 Main Street | Lake Placid | NY | 12946 |
| LATHAM BRANCH | 545 Troy Schenectady Road | Latham | NY | 12110 |
| LITTLE FALLS BRANCH | 699 East Main Street | Little Falls | NY | 13365 |
| MOHAWK BRANCH | 29 West Main Street | Mohawk | NY | 13407 |
| NEW HARTFORD BRANCH | 4697 Commercial Drive | New Hartford | NY | 13413 |
| OLD FORGE BRANCH | 108 Codling Street | Old Forge | NY | 13420 |
| DURKEE STREET BRANCH | 14 Durkee Street | Plattsburgh | NY | 12901 |
| PLATTSBURGH ROUTE 3 BRANCH | 448 State Route 3 | Plattsburgh | NY | 12901 |
| SMITHFIELD BOULEVARD BRANCH | 20 Smithfield Boulevard | Plattsburgh | NY | 12901 |
| U.S. AVENUE BRANCH | New York RD & US Ave | Plattsburgh | NY | 12903 |
| PORT HENRY OFFICE | 4307 Main Street | Port Henry | NY | 12974 |
| BAY ROAD BRANCH | 402 Bay Road | Queensbury | NY | 12804 |
| EXIT 18 OFFICE | 221 Corinth Road | Queensbury | NY | 12804 |
| QUEENSBURY OFFICE | 696 Upper Glen Street | Queensbury | NY | 12804 |
| ROME BRANCH | 1709 Black River Boulevard North | Rome | NY | 13440 |
| ROTTERDAM BRANCH | 1963 Altamont Aveneue | Rotterdam | NY | 12306 |
| SALEM OFFICE | 212 Main Street | Salem | NY | 12865 |
| CHURCH STREET EXTENSION BRANCH | 139 Church ST | Saranac Lake | NY | 12983 |
| SARANAC BRANCH | 67 Main Street | Saranac Lake | NY | 12983 |
| SOUTH BROADWAY BRANCH | 171 South Broadway | Saratoga Springs | NY | 12866 |
| WEST AVENUE OFFICE BRANCH, THE | 91 West Avenue | Saratoga Springs | NY | 12866 |
| WILTON BRANCH | 3 Carpenter Lane | Saratoga Springs | NY | 12866 |
| WILTON SQUARE BRANCH | 3025 Route 50 | Saratoga Springs | NY | 12866 |
| SCHENECTADY BRANCH | 251 State Street | Schenectady | NY | 12305 |
| SCHROON LAKE OFFICE | 1080 Main Street | Schroon Lake | NY | 12870 |
| SCHUYLERVILLE OFFICE | 73 Broad Street | Schuylerville | NY | 12871 |
| SOUTH GLENS FALLS OFFICE | 147 Saratoga Avenue | South Glens Falls | NY | 12803 |
| SYLVAN BEACH BRANCH | 808 Main Street | Sylvan Beach | NY | 13157 |
| TICONDEROGA DRIVE-IN OFFICE | 1127 Wicker Street | Ticonderoga | NY | 12883 |
| TICONDEROGA OFFICE | 123 Montcalm Street | Ticonderoga | NY | 12883 |
| TROY OFFICE | 120 Hoosick Street | Troy | NY | 12180 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
6
Showing 1 through 6 of 6 history events
| Event date | Event type | Related institution |
|---|---|---|
| July 1, 2026 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 1, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 1, 2010 | Charter Discontinued (Merger or Purchase & Assumption) | U.S. BENEFITS, INC. |
| November 1, 1973 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 1, 1973 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 2, 1968 | Charter Discontinued (Merger or Purchase & Assumption) | CHESTER SCHROON HORICON BANK |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-05
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-05
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.