Mortgage lenders in Saratoga County
4,898 mortgages were made in Saratoga County, New York, in 2025, by 224 lenders. The median rate their borrowers got was 6.375% on a median loan of $235,000. Of 6,567 decisions, 1,399 were denials — 21.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Broadview Federal Credit Union | 782 | 6.250% | $95,000 | 24.9% |
| TrustCo Bank | 390 | 5.875% | $205,000 | 16.6% |
| SEFCU SERVICES, LLC | 388 | 5.875% | $355,000 | 1.0% |
| HOMESTEAD FUNDING CORP. | 349 | 6.490% | $345,000 | 2.0% |
| Glens Falls National Bank and Trust Company | 272 | 6.125% | $285,000 | 17.7% |
| Rocket Mortgage, LLC | 245 | 6.990% | $185,000 | 18.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 175 | 6.490% | $325,000 | 2.8% |
| SUNMARK CREDIT UNION | 171 | 6.375% | $125,000 | 12.6% |
| Citizens Bank, National Association | 158 | 8.150% | $130,000 | 31.2% |
| FIRST NEW YORK | 124 | 4.750% | $155,000 | 11.4% |
| The Adirondack Trust Company | 91 | Not published | $345,000 | 18.4% |
| Ballston Spa National Bank | 91 | Not published | $325,000 | 2.1% |
| NEWREZ LLC | 78 | 6.500% | $285,000 | 14.1% |
| Bank of America, National Association | 77 | 6.240% | $205,000 | 36.3% |
| Navy Federal Credit Union | 73 | 7.250% | $245,000 | 29.5% |
| KeyBank National Association | 71 | 6.500% | $275,000 | 16.9% |
| NBT Bank, National Association | 63 | 5.250% | $225,000 | 26.5% |
| PENNYMAC LOAN SERVICES, LLC | 55 | 6.375% | $395,000 | 17.4% |
| PREMIUM MORTGAGE CORPORATION | 55 | 6.500% | $335,000 | 0.0% |
| HUDSON RIVER COMMUNITY | 53 | 6.250% | $75,000 | 48.0% |
| JPMorgan Chase Bank, National Association | 47 | 6.375% | $355,000 | 7.8% |
| Broker Solutions, Inc. | 47 | 6.750% | $335,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 43 | 8.730% | $95,000 | 36.2% |
| Manufacturers and Traders Trust Company | 43 | 6.000% | $295,000 | 38.2% |
| Sidney Federal Credit Union | 43 | 5.875% | $315,000 | 5.9% |
| Fairway Independent Mortgage Corporation | 42 | 6.625% | $385,000 | 12.5% |
| Pioneer Bank | 36 | Not published | $105,000 | 23.6% |
| Community Bank, National Association | 33 | 7.125% | $295,000 | 21.4% |
| HUDSON VALLEY CREDIT UNION | 32 | 5.688% | $255,000 | 30.0% |
| Loandepot.Com, LLC | 32 | 7.625% | $155,000 | 25.6% |
| First National Bank of Scotia | 31 | Not published | $325,000 | 8.8% |
| Chemung Canal Trust Company | 29 | 6.500% | $320,000 | 8.8% |
| 21st Mortgage Corporation | 28 | 10.610% | $100,000 | 80.0% |
| TD Bank, National Association | 27 | 7.890% | $155,000 | 32.5% |
| Mortgage Research Center, LLC | 23 | 6.250% | $355,000 | 34.3% |
| GUARANTEED RATE, INC. | 23 | 6.750% | $355,000 | 11.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 19 | 6.625% | $355,000 | 8.0% |
| NATIONSTAR MORTGAGE LLC | 19 | 6.490% | $265,000 | 13.6% |
| MOVEMENT MORTGAGE, LLC | 18 | 6.750% | $345,000 | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 18 | 6.625% | $445,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | 6.750% | $385,000 | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 14 | 6.750% | $275,000 | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 14 | 6.625% | $255,000 | 11.8% |
| General Mortgage Capital Corporation | 14 | 6.313% | $290,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 13 | 8.500% | $115,000 | 52.0% |
| Wells Fargo Bank, National Association | 13 | 6.000% | $255,000 | 23.5% |
| GREENWOOD CREDIT UNION | 13 | 9.240% | $85,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 11 | 7.375% | $295,000 | 25.0% |
| US MORTGAGE CORPORATION | 11 | 6.750% | $315,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 11 | 6.990% | $215,000 | 0.0% |
| U.S. Bank National Association | 10 | 6.433% | $385,000 | 41.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.250% | $210,000 | 31.6% |
| AMERICU Credit Union | 10 | 6.313% | $295,000 | 28.6% |
| A&D Mortgage LLC | 10 | 7.125% | $310,000 | 9.1% |
| TAMMAC HOLDINGS CORPORATION | 8 | Under 10 loans | Under 10 loans | 58.3% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The People's Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 87.5% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 5 | Under 10 loans | Under 10 loans | 63.3% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 44.4% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Berkshire Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 75.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| The Lyons National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| G.P.O. Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 75.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NextStep Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CLIFFCO, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Greene County | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Coxsackie | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SERVU FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 83.3% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Municipal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Regional Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Broadcast Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEG Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MassMutual Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ulster Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adirondack Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prism Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Walden Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Royal Business Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Brookline Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | Not published |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| RBC Bank, (Georgia) National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| INTERSTATE HOME LOAN CENTER, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 24 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Saratoga County
70 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| TrustCo Bank | 14 | $756.2 million |
| The Adirondack Trust Company | 10 | $1.4 billion |
| Ballston Spa National Bank | 10 | $701.8 million |
| Arrow Bank National Association | 8 | $658.3 million |
| KeyBank National Association | 6 | $767.0 million |
| NBT Bank, National Association | 4 | $322.1 million |
| Pioneer Bank, National Association | 3 | $237.0 million |
| Bank of America, National Association | 2 | $886.4 million |
| Citizens Bank, National Association | 2 | $363.6 million |
| TD Bank, National Association | 2 | $260.9 million |
| JPMorgan Chase Bank, National Association | 2 | $176.2 million |
| Chemung Canal Trust Company | 2 | $92.3 million |
| First National Bank of Scotia | 2 | $59.7 million |
| Manufacturers and Traders Trust Company | 2 | $46.9 million |
| The Bank of Greene County | 1 | $17.0 million |
Get told when this changes
When the next year’s lending figures are out for Saratoga County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.