Ballston Spa National Bank in Connecticut vs the state
2.6%Denial rate-14.84 pts vs state
2.7%Decision denial rate-18.89 pts vs state
59.0%Origination rate-1.41 pts vs state
—Median rate
—Rate spread (pts)
$89kMedian applicant income
23Loans originated
1Denied
Trend in Connecticut
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 9 | 0.0% | — | #299 |
| 2024 | 29 | 16 | 0.0% | — | #253 |
| 2025 | 39 | 23 | 2.6% | — | #234 |
What Ballston Spa National Bank lends in Connecticut
By loan purpose
By loan type
Why it denied Connecticut applicants
Where in Connecticut
Counties with the most Ballston Spa National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| 09110 | 15 | 9 | 1 | 6.7% |
| 09180 | 10 | 8 | 0 | 0.0% |
| 09190 | 5 | 1 | 0 | 0.0% |
| 09130 | 4 | 1 | 0 | 0.0% |
| 09170 | 3 | 2 | 0 | 0.0% |
| 09140 | 2 | 2 | 0 | 0.0% |
Other large lenders in Connecticut
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,043 | 16.5% | 6.75% |
| Citizens Bank | C | 4,895 | 26.2% | 7.40% |
| Bank of America | F | 4,591 | 32.1% | 6.00% |
| United Shore Financial Services | B | 4,239 | 13.7% | 6.50% |
| Total Mortgage Services | B | 4,219 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 4,030 | 31.8% | 5.99% |
| Liberty Bank | A | 3,513 | 9.5% | 5.99% |
| Webster Bank | C | 2,762 | 21.9% | 6.74% |
| Newrez | D | 2,556 | 21.8% | 6.88% |
| AMERICAN EAGLE FINANCIAL Credit Union | D | 2,463 | 18.9% | 7.75% |
Frequently asked questions
Connecticut: 39 applications in 2025, of which 23 were originated and 1 denied.
2.6% of all applications, or 2.7% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Ballston Spa National Bank's own HMDA filing for properties located in Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology