Refinancing lenders in Saratoga County
511 refinancing mortgages were made in Saratoga County, New York, in 2025, by 82 lenders. The median rate their borrowers got was 5.990% on a median loan of $205,000. Of 679 decisions, 147 were denials — 21.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Broadview Federal Credit Union | 123 | 5.750% | $125,000 | 25.9% |
| TrustCo Bank | 50 | 5.813% | $160,000 | 11.5% |
| Citizens Bank, National Association | 45 | 8.150% | $205,000 | 31.9% |
| FIRST NEW YORK | 34 | 1.990% | $165,000 | 8.1% |
| Rocket Mortgage, LLC | 31 | 5.990% | $275,000 | 12.8% |
| Glens Falls National Bank and Trust Company | 21 | 5.990% | $155,000 | 32.3% |
| SEFCU SERVICES, LLC | 20 | 5.625% | $370,000 | 0.0% |
| NBT Bank, National Association | 16 | 3.490% | $220,000 | 29.2% |
| KeyBank National Association | 14 | 8.125% | $230,000 | 6.7% |
| Bank of America, National Association | 13 | 5.990% | $215,000 | 23.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 5.875% | $355,000 | 0.0% |
| SUNMARK CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Adirondack Trust Company | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TD Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMESTEAD FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First National Bank of Scotia | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Pioneer Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Chemung Canal Trust Company | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Greene County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney 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% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prism Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HUDSON RIVER COMMUNITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| HUNT MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Brookline Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride 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.