Home purchase lenders in Saratoga County
2,410 home purchase mortgages were made in Saratoga County, New York, in 2025, by 177 lenders. The median rate their borrowers got was 6.375% on a median loan of $345,000. Of 3,050 decisions, 449 were denials — 14.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| SEFCU SERVICES, LLC | 353 | 5.875% | $355,000 | 1.1% |
| HOMESTEAD FUNDING CORP. | 328 | 6.490% | $345,000 | 1.5% |
| Glens Falls National Bank and Trust Company | 166 | 6.375% | $415,000 | 2.9% |
| TrustCo Bank | 144 | 6.375% | $390,000 | 5.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 144 | 6.494% | $335,000 | 2.7% |
| Ballston Spa National Bank | 71 | Not published | $385,000 | 0.0% |
| The Adirondack Trust Company | 61 | Not published | $455,000 | 16.2% |
| PREMIUM MORTGAGE CORPORATION | 53 | 6.500% | $335,000 | 0.0% |
| Broadview Federal Credit Union | 52 | 5.750% | $155,000 | 22.4% |
| Broker Solutions, Inc. | 45 | 6.750% | $335,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 44 | 6.499% | $395,000 | 13.5% |
| NEWREZ LLC | 44 | 6.500% | $330,000 | 2.2% |
| TRIAD FINANCIAL SERVICES, INC. | 43 | 8.730% | $95,000 | 35.9% |
| SUNMARK CREDIT UNION | 41 | 6.125% | $285,000 | 3.9% |
| JPMorgan Chase Bank, National Association | 38 | 6.375% | $390,000 | 7.3% |
| Fairway Independent Mortgage Corporation | 38 | 6.625% | $385,000 | 13.6% |
| Rocket Mortgage, LLC | 36 | 6.990% | $315,000 | 12.2% |
| KeyBank National Association | 33 | 6.250% | $305,000 | 5.6% |
| Navy Federal Credit Union | 30 | 6.000% | $390,000 | 16.7% |
| Sidney Federal Credit Union | 29 | 6.000% | $355,000 | 2.9% |
| 21st Mortgage Corporation | 27 | 10.580% | $105,000 | 80.6% |
| NBT Bank, National Association | 27 | 6.375% | $405,000 | 2.8% |
| Bank of America, National Association | 25 | 6.125% | $335,000 | 24.2% |
| Community Bank, National Association | 23 | 7.125% | $335,000 | 14.8% |
| FIRST NEW YORK | 21 | 5.375% | $395,000 | 19.2% |
| Mortgage Research Center, LLC | 21 | 6.250% | $355,000 | 8.7% |
| GUARANTEED RATE, INC. | 21 | 6.750% | $355,000 | 8.7% |
| Manufacturers and Traders Trust Company | 20 | 6.500% | $425,000 | 23.1% |
| First National Bank of Scotia | 20 | Not published | $360,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 19 | 6.625% | $355,000 | 4.2% |
| 1ST PRIORITY MORTGAGE, INC. | 18 | 6.625% | $445,000 | 0.0% |
| Chemung Canal Trust Company | 16 | 6.313% | $405,000 | 0.0% |
| Citizens Bank, National Association | 15 | 7.900% | $255,000 | 6.3% |
| MOVEMENT MORTGAGE, LLC | 15 | 6.750% | $365,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 13 | 8.500% | $115,000 | 52.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.750% | $375,000 | 7.1% |
| HUDSON VALLEY CREDIT UNION | 12 | 6.188% | $400,000 | 0.0% |
| General Mortgage Capital Corporation | 12 | 6.063% | $290,000 | 0.0% |
| GREENWOOD CREDIT UNION | 12 | 9.240% | $90,000 | 0.0% |
| HUDSON RIVER COMMUNITY | 11 | 6.250% | $235,000 | 62.1% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.625% | $225,000 | 0.0% |
| TD Bank, National Association | 10 | 6.938% | $605,000 | 16.7% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICU Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TAMMAC HOLDINGS CORPORATION | 8 | Under 10 loans | Under 10 loans | 58.3% |
| US MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Farm Credit East, ACA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 4 | Under 10 loans | Under 10 loans | 65.5% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Old Second National Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Pioneer Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| G.P.O. Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | 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% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVU FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| The Lyons National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Coxsackie | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Regional Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEG Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 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% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 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% |
| 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% |
| The Federal Savings Bank | 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% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 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% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 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% |
| Flagstar Bank, N.A. | 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 |
| The Bank of Greene County | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EAST COAST CAPITAL CORP. | 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 |
| Axos Bank | 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 |
| 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 |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Brookline Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Webster Five Cents Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Webster Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| STAR USA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| ANDREWS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| NUMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Charles Schwab Bank, SSB | 0 | Under 10 loans | Under 10 loans | Not published |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 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.
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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.