Mortgage lending in Saratoga County, New York
Lenders in Saratoga County, New York reported 7,919 mortgage applications for 2025, according to the CFPB.
7,919 mortgage applications and 4,929 loans originated in 2025; the denial rate was 21.3% of 6,602 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Albany-Schenectady-Troy, NY MSA.
- 7,919
- Applications
- 4,929
- Loans originated
- 21.3%
- Denial rate
- 1,403 denied of 6,602 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,919 | 4,929 |
| 2024 | 7,179 | 4,480 |
| 2023 | 7,487 | 4,698 |
| 2022 | 10,357 | 6,849 |
| 2021 | 14,557 | 10,092 |
| 2020 | 14,062 | 9,615 |
| 2019 | 9,934 | 6,652 |
| 2018 | 9,378 | 6,302 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Broadview Federal Credit Union | 782 | 1,201 |
| Trustco Bank | 390 | 587 |
| SEFCU Services, LLC | 388 | 451 |
| Homestead Funding Corp. | 349 | 422 |
| Arrow Bank NA | 272 | 419 |
| Rocket Mortgage | 245 | 332 |
| United Wholesale Mortgage | 175 | 216 |
| Sunmark Credit Union | 171 | 253 |
| Citizens Bank, NA | 158 | 271 |
| First New York Federal Credit Union | 124 | 162 |
| The Adirondack Trust Company | 91 | 152 |
| Ballston Spa National Bank | 91 | 112 |
| Newrez LLC | 78 | 144 |
| Bank of America NA | 77 | 151 |
| Navy Federal Credit Union | 73 | 142 |
| Keybank National Association | 71 | 105 |
| NBT Bank NA | 63 | 111 |
| Premium Mortgage Corporation | 55 | 62 |
| Pennymac Loan Services LLC | 55 | 91 |
| Hudson River Community CU | 53 | 137 |
| New American Funding, LLC. | 47 | 63 |
| JPMorgan Chase Bank, NA | 47 | 72 |
| Sidney Federal Credit Union | 43 | 55 |
| Triad Financial Services, Inc. | 43 | 187 |
| M&T Bank | 43 | 89 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 27 | no rate: base under 50 |
| Asian | 305 | 21.9% of 233 decided |
| Black or African American | 100 | 35.8% of 81 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 6,294 | 21.4% of 5,295 decided |
| 2 or more minority races | withheld | |
| Joint | 132 | 21.2% of 113 decided |
| Race Not Available | 1,039 | 18.0% of 839 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 196 | 35.9% of 153 decided |
| Not Hispanic or Latino | 6,424 | 21.2% of 5,386 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,167 | 19.2% of 948 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,544 | 24.9% of 2,073 decided |
| Female | 1,785 | 28.8% of 1,487 decided |
| Joint | 3,031 | 14.8% of 2,589 decided |
| Sex Not Available | 559 | 16.8% of 453 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 697 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved