Glens Falls National Bank and Trust in New York vs the state
16.4%Denial rate-3.31 pts vs state
20.5%Decision denial rate-3.57 pts vs state
63.2%Origination rate+3.56 pts vs state
6.13%Median rate-0.50 pts vs state
-0.10Rate spread (pts)-0.31 pts vs state
$122kMedian applicant income
845Loans originated
220Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 799 | 496 | 17.3% | 5.13% | #92 |
| 2024 | 827 | 518 | 16.1% | 6.13% | #94 |
| 2025 | 1,338 | 845 | 16.4% | 6.13% | #63 |
What Glens Falls National Bank and Trust lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Glens Falls National Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saratoga County | 419 | 272 | 59 | 14.1% |
| Warren County | 343 | 228 | 52 | 15.2% |
| Washington County | 209 | 123 | 43 | 20.6% |
| Clinton County | 94 | 57 | 15 | 16.0% |
| Essex County | 74 | 41 | 15 | 20.3% |
| Albany County | 67 | 43 | 13 | 19.4% |
| Rensselaer County | 55 | 41 | 7 | 12.7% |
| Schenectady County | 42 | 25 | 8 | 19.0% |
| Montgomery County | 9 | 4 | 4 | 44.4% |
| Fulton County | 9 | 5 | 1 | 11.1% |
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: 1,338 applications in 2025, of which 845 were originated and 220 denied.
16.4% of all applications, or 20.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Glens Falls National Bank and Trust originated in New York in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Glens Falls National Bank and Trust'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