The Adirondack Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
21st19.3% deniedProcesswithdrawn + incomplete share, weight 15%
13th23.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 275 | 164 | 19.6% | 24.4% | — | $47M |
| 2024 | 272 | 169 | 16.2% | 20.3% | — | $77M |
| 2025 | 230 | 138 | 14.8% | 19.3% | — | $110M |
What The Adirondack Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 53 investment properties.
Who gets approved at The Adirondack Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 37 | 15 | 40.0% |
| $100k – $150k | 36 | 22 | 11.5% |
| $150k – $250k | 55 | 33 | 7.7% |
| Over $250k | 37 | 23 | 17.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 36 | 22 | 18.5% |
| 35–44 | 45 | 17 | 28.6% |
| 45–54 | 26 | 17 | 26.1% |
| 55–64 | 44 | 24 | 25.0% |
| 65–74 | 25 | 13 | 22.2% |
Where The Adirondack Trust lends
3 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 227 | 138 | 13.7% | — | #195 |
Frequently asked questions
The Adirondack Trust denied 19.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 21st percentile of small mortgage lenders.
In 2025, 69% of its applications were for home purchases, 15% for refinancing (including cash-out), and 17% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.