The Adirondack Trust Company
The Adirondack Trust Company received 229 applications in 2025 and made 138 mortgages, in 11 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $335,000. Of 175 decisions, 33 were denials — 18.9%.
| Legal Entity Identifier | 254900158KALQ2PWDU44 |
|---|---|
| Applications received | 229 |
| Mortgages made | 138 |
| Denied | 33 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 54 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Adirondack Trust Company, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 93 | Not published | $395,000 | 18.3% |
| Refinancing | 12 | Not published | $225,000 | 13.3% |
| Cash-out refinancing | 11 | Not published | $205,000 | 8.3% |
| Other purposes | 22 | Not published | $45,000 | 27.3% |
Where The Adirondack Trust Company lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Saratoga County, NY | 91 | Not published | 18.4% |
| Warren County, NY | 35 | Not published | 15.9% |
| Washington County, NY | 5 | Under 10 loans | 0.0% |
| Albany County, NY | 3 | Under 10 loans | 0.0% |
| Rensselaer County, NY | 2 | Under 10 loans | 33.3% |
| Fulton County, NY | 1 | Under 10 loans | 0.0% |
| Rockland County, NY | 1 | Under 10 loans | 0.0% |
| Montgomery County, NY | 0 | Under 10 loans | 100.0% |
| Nassau County, NY | 0 | Under 10 loans | 100.0% |
| Schenectady County, NY | 0 | Under 10 loans | Not published |
| Rutland County, VT | 0 | Under 10 loans | 100.0% |
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When The Adirondack Trust Company’s figures are published for the next year, or restated.
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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.