Ballston Spa National Bank
Ballston Spa National Bank received 502 applications in 2025 and made 340 mortgages, in 85 counties across 10 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 454 decisions, 8 were denials — 1.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300QY4UCP33T94N09 |
|---|---|
| Applications received | 502 |
| Mortgages made | 340 |
| Denied | 8 |
| Approved, not taken up | 106 |
| Withdrawn or incomplete | 48 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Ballston Spa National Bank, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 282 | Not published | $175,000 | 1.3% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cash-out refinancing | 52 | Not published | $145,000 | 3.5% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where Ballston Spa National Bank lends most
The 50 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 | 2.1% |
| Albany County, NY | 54 | Not published | 1.8% |
| Schenectady County, NY | 23 | Not published | 0.0% |
| Rensselaer County, NY | 18 | Not published | 0.0% |
| Capitol Planning Region, CT | 9 | Under 10 loans | 6.7% |
| Southeastern Connecticut Planning Region, CT | 8 | Under 10 loans | 0.0% |
| Washington County, NY | 8 | Under 10 loans | 0.0% |
| Martin County, FL | 6 | Under 10 loans | 11.8% |
| Fulton County, NY | 6 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 5 | Under 10 loans | 14.3% |
| Dutchess County, NY | 5 | Under 10 loans | 0.0% |
| Bucks County, PA | 5 | Under 10 loans | 0.0% |
| York County, PA | 5 | Under 10 loans | 0.0% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Oneida County, NY | 4 | Under 10 loans | 0.0% |
| Berks County, PA | 4 | Under 10 loans | 0.0% |
| Montgomery County, PA | 4 | Under 10 loans | 0.0% |
| Dorchester County, SC | 4 | Under 10 loans | 0.0% |
| Kent County, DE | 3 | Under 10 loans | 0.0% |
| Camden County, NJ | 3 | Under 10 loans | 0.0% |
| Columbia County, NY | 3 | Under 10 loans | 0.0% |
| Erie County, NY | 3 | Under 10 loans | 0.0% |
| Niagara County, NY | 3 | Under 10 loans | 11.1% |
| Lancaster County, PA | 3 | Under 10 loans | 0.0% |
| Lehigh County, PA | 3 | Under 10 loans | 0.0% |
| Northampton County, PA | 3 | Under 10 loans | 0.0% |
| Horry County, SC | 3 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 2 | Under 10 loans | 0.0% |
| South Central Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Cape May County, NJ | 2 | Under 10 loans | 0.0% |
| Ocean County, NJ | 2 | Under 10 loans | 0.0% |
| Essex County, NY | 2 | Under 10 loans | 0.0% |
| Ontario County, NY | 2 | Under 10 loans | 0.0% |
| Orange County, NY | 2 | Under 10 loans | 0.0% |
| Schoharie County, NY | 2 | Under 10 loans | 0.0% |
| Suffolk County, NY | 2 | Under 10 loans | 0.0% |
| Ulster County, NY | 2 | Under 10 loans | 0.0% |
| Warren County, NY | 2 | Under 10 loans | 0.0% |
| Lower Connecticut River Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Seminole County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Ballston Spa National Bank’s figures are published for the next year, or restated.
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. 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.