Adirondack Bank
Adirondack Bank received 353 applications in 2025 and made 220 mortgages, in 18 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $170,000. Of 287 decisions, 54 were denials — 18.8%, most often for credit history.
| Legal Entity Identifier | 549300EZG6KIP4HOUR65 |
|---|---|
| Applications received | 353 |
| Mortgages made | 220 |
| Denied | 54 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 66 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.39 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 148 | 6.625% | $205,000 | 13.1% |
| Refinancing | 25 | 7.250% | $75,000 | 16.7% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Other purposes | 40 | 7.250% | $55,000 | 34.4% |
Where Adirondack Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oneida County, NY | 132 | 6.625% | 14.7% |
| Herkimer County, NY | 56 | 7.000% | 22.2% |
| Franklin County, NY | 8 | Under 10 loans | 11.1% |
| Essex County, NY | 6 | Under 10 loans | 25.0% |
| Hamilton County, NY | 4 | Under 10 loans | 50.0% |
| Onondaga County, NY | 4 | Under 10 loans | 20.0% |
| Madison County, NY | 3 | Under 10 loans | 0.0% |
| Clinton County, NY | 1 | Under 10 loans | 50.0% |
| Cortland County, NY | 1 | Under 10 loans | 0.0% |
| Jefferson County, NY | 1 | Under 10 loans | 0.0% |
| Lewis County, NY | 1 | Under 10 loans | 33.3% |
| Oswego County, NY | 1 | Under 10 loans | 0.0% |
| Rensselaer County, NY | 1 | Under 10 loans | 0.0% |
| Saratoga County, NY | 1 | Under 10 loans | 0.0% |
| Fulton County, NY | 0 | Under 10 loans | 100.0% |
| Montgomery County, NY | 0 | Under 10 loans | 100.0% |
| Otsego County, NY | 0 | Under 10 loans | 100.0% |
| Warren County, NY | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.