The Adirondack Trust in New York vs the state
13.7%Denial rate-6.09 pts vs state
17.9%Decision denial rate-6.12 pts vs state
60.8%Origination rate+1.20 pts vs state
—Median rate
—Rate spread (pts)
$150kMedian applicant income
138Loans originated
31Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 273 | 163 | 19.4% | — | #169 |
| 2024 | 272 | 169 | 16.2% | — | #173 |
| 2025 | 227 | 138 | 13.7% | — | #195 |
What The Adirondack Trust lends in New York
By loan purpose
By loan type
Where in New York
Counties with the most The Adirondack Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saratoga County | 152 | 91 | 21 | 13.8% |
| Warren County | 55 | 35 | 7 | 12.7% |
| Washington County | 8 | 5 | 0 | 0.0% |
| Rensselaer County | 4 | 2 | 1 | 25.0% |
| Albany County | 3 | 3 | 0 | 0.0% |
| Schenectady County | 1 | 0 | 0 | 0.0% |
| Nassau County | 1 | 0 | 1 | 100.0% |
| Fulton County | 1 | 1 | 0 | 0.0% |
| Rockland County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
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: 227 applications in 2025, of which 138 were originated and 31 denied.
13.7% of all applications, or 17.9% 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 The Adirondack 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