Ballston Spa National Bank in New York vs the state
1.3%Denial rate-18.50 pts vs state
1.4%Decision denial rate-22.61 pts vs state
74.8%Origination rate+15.18 pts vs state
—Median rate
—Rate spread (pts)
$137kMedian applicant income
240Loans originated
4Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 346 | 250 | 1.7% | 6.50% | #148 |
| 2024 | 297 | 200 | 3.7% | 7.20% | #165 |
| 2025 | 321 | 240 | 1.3% | — | #172 |
What Ballston Spa National Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Ballston Spa National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saratoga County | 112 | 91 | 2 | 1.8% |
| Albany County | 68 | 54 | 1 | 1.5% |
| Schenectady County | 28 | 23 | 0 | 0.0% |
| Rensselaer County | 19 | 18 | 0 | 0.0% |
| Dutchess County | 11 | 5 | 0 | 0.0% |
| Washington County | 9 | 8 | 0 | 0.0% |
| Niagara County | 9 | 3 | 1 | 11.1% |
| Fulton County | 7 | 6 | 0 | 0.0% |
| Erie County | 6 | 3 | 0 | 0.0% |
| Oneida County | 5 | 4 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 321 applications in 2025, of which 240 were originated and 4 denied.
1.3% of all applications, or 1.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology