New York · HMDA 2025
Mortgage lenders in Saratoga County, NY
224 lenders reported 8,532 home-loan applications in Saratoga County in 2025. 4,929 closed as loans ($1.7B), 1,403 were denied — a 21.3% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 26% of applications, led by Broadview Federal Credit Union. 21 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 8,532
- Loans originated
- 4,929
- Purchase / refinance
- 2,410 / 1,083
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Saratoga County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Broadview Federal Credit Union 59 out of 100, Moderate | 1,201 | 14.1% | 29.9% |
| 2 | TrustCo Bank 62 out of 100, Moderate | 587 | 6.9% | 28.5% |
| 3 | SEFCU SERVICES, LLC | 451 | 5.3% | — |
| 4 | HOMESTEAD FUNDING CORP. | 423 | 5.0% | — |
| 5 | Glens Falls National Bank and Trust Company 66 out of 100, Moderate | 419 | 4.9% | 20.5% |
| 6 | Rocket Mortgage, LLC | 346 | 4.1% | — |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 333 | 3.9% | 32.5% |
| 8 | SUNMARK CREDIT UNION 56 out of 100, Moderate | 253 | 3.0% | 13.3% |
| 9 | 21st Mortgage Corporation | 231 | 2.7% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 228 | 2.7% | 14.1% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 218 | 2.6% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 188 | 2.2% | — |
| 13 | TRIAD FINANCIAL SERVICES, INC. | 187 | 2.2% | — |
| 14 | NEWREZ LLC | 174 | 2.0% | — |
| 15 | Pioneer Bank 62 out of 100, Moderate | 174 | 2.0% | 24.6% |
| 16 | FIRST NEW YORK | 162 | 1.9% | — |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 152 | 1.8% | 44.7% |
| 18 | The Adirondack Trust Company 69 out of 100, Moderate | 152 | 1.8% | 19.3% |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 143 | 1.7% | 32.9% |
| 20 | HUDSON RIVER COMMUNITY | 137 | 1.6% | — |
| 21 | NBT Bank, National Association 64 out of 100, Moderate | 115 | 1.3% | 23.4% |
| 22 | Ballston Spa National Bank 55 out of 100, Moderate | 112 | 1.3% | 1.8% |
| 23 | KeyBank National Association 63 out of 100, Moderate | 106 | 1.2% | 32.8% |
| 24 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 101 | 1.2% | 74.7% |
| 25 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 90 | 1.1% | 32.9% |
| 26 | HUDSON VALLEY CREDIT UNION | 79 | 0.9% | — |
| 27 | Fairway Independent Mortgage Corporation | 63 | 0.7% | — |
| 28 | Broker Solutions, Inc. | 63 | 0.7% | — |
| 29 | PREMIUM MORTGAGE CORPORATION | 62 | 0.7% | — |
| 30 | Discover Bank | 60 | 0.7% | — |
| 31 | Sidney Federal Credit Union 67 out of 100, Moderate | 55 | 0.6% | 13.9% |
| 32 | TD Bank, National Association 63 out of 100, Moderate | 53 | 0.6% | 35.3% |
| 33 | Community Bank, National Association 62 out of 100, Moderate | 50 | 0.6% | 18.9% |
| 34 | TAMMAC HOLDINGS CORPORATION | 49 | 0.6% | — |
| 35 | Mortgage Research Center, LLC | 46 | 0.5% | — |
| 36 | Loandepot.Com, LLC | 44 | 0.5% | — |
| 37 | TCT Federal Credit Union 61 out of 100, Moderate | 40 | 0.5% | 20.0% |
| 38 | FREEDOM MORTGAGE CORPORATION | 38 | 0.4% | — |
| 39 | First National Bank of Scotia 55 out of 100, Moderate | 36 | 0.4% | 13.8% |
| 40 | Chemung Canal Trust Company 72 out of 100, Strong | 36 | 0.4% | 15.1% |
Top 40 of 224 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps