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Saratoga County, New York · 2025

Mortgage lenders in Saratoga County, NY: denial rates and top lenders (2025)

218 lenders acted on 7,919 mortgage applications for properties in Saratoga County in 2025. 17.7% were denied (New York: 19.8%). Median rate on closed loans 6.38%; median loan $205,000; median property value $455,000.

7.9kApplications
17.7%Denial ratestate 19.8%
6.38%Median ratestate 6.63%
$205,000Median loan
$455,000Median property value

Largest lenders in Saratoga County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Broadview Federal Credit Union C 1,201782 21.7%6.25%
2 TrustCo Bank B 587390 14.0%5.88%
3 Sefcu Services A 451388 0.9%5.88%
4 Homestead Funding A 422349 1.7%6.49%
5 Glens Falls National Bank and Trust C 419272 14.1%6.13%
6 Rocket Mortgage C 332245 16.9%6.99%
7 Citizens Bank C 271158 26.9%8.15%
8 Sunmark Credit Union C 253171 10.3%6.38%
9 21st Mortgage F 23128 52.0%10.61%
10 United Shore Financial Services B 216175 2.3%6.49%
11 Triad Financial Services D 18743 35.8%8.73%
12 First New York C 162124 9.9%4.75%
13 The Adirondack Trust D 15291 13.8%—
14 Bank of America F 15177 29.8%6.24%
15 Newrez D 14478 9.0%6.50%
16 Navy Federal Credit Union D 14273 21.8%7.25%
17 Hudson River Community C 13753 35.8%6.25%
18 Ballston Spa National Bank A 11291 1.8%—
19 NBT Bank B 11163 24.3%5.25%
20 KeyBank C 10571 14.3%6.50%
21 Credit Human Federal Credit Union D 10113 51.5%8.50%
22 Pennymac Loan Services C 9155 13.2%6.38%
23 Manufacturers and Traders Trust C 8943 32.6%6.00%
24 Hudson Valley Credit Union B 7432 28.4%5.69%
25 JPMorgan Chase Bank B 7247 5.6%6.38%

Best approval odds in Saratoga County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Premium Mortgage550.0%
2Sefcu Services3951.0%
3Homestead Funding3582.0%
4Ballston Spa National Bank952.1%
5United Shore Financial Services1822.8%
6Sidney Federal Credit Union515.9%
7JPMorgan Chase Bank517.8%
8First New York14011.4%
9Sunmark Credit Union20612.6%
10Newrez9214.1%

What Saratoga County borrowers applied for

By loan purpose

Home purchase 3,709 47% · 12.1% denied
Refinance 815 10% · 18.0% denied
Cash-out refinance 900 11% · 15.9% denied
Home improvement 1,494 19% · 22.1% denied
Other / HELOC 1,001 13% · 33.4% denied

By loan type

Conventional 7,310 92% · 17.9% denied
FHA 345 4% · 19.4% denied
VA 258 3% · 10.9% denied
USDA / RHS 6 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 510 37%
Credit history 433 31%
Other 169 12%
Collateral 163 12%
Incomplete application 52 4%
Unverifiable information 20 1%
Employment history 15 1%
Insufficient cash 13 1%

Saratoga County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,4874,69818.3%6.50%$165,000
20247,1794,48018.0%6.63%$185,000
20257,9194,92917.7%6.38%$205,000

Frequently asked questions

17.7% of applications in Saratoga County were denied in 2025, against 19.8% statewide in New York.

Broadview Federal Credit Union, with 1,201 applications in 2025 and a denial rate of 21.7%.

The median mortgage application in Saratoga County in 2025 was for $205,000; the median property value on originated loans was $455,000.