First National Bank of Scotia
First National Bank of Scotia received 177 applications in 2025 and made 136 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 159 decisions, 22 were denials — 13.8%, most often for credit history.
| Legal Entity Identifier | 549300S5FSS555M0NA74 |
|---|---|
| Applications received | 177 |
| Mortgages made | 136 |
| Denied | 22 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank of Scotia, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 82 | Not published | $265,000 | 1.2% |
| Refinancing | 28 | Not published | $175,000 | 22.2% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 25 | Not published | $75,000 | 34.2% |
Where First National Bank of Scotia lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Schenectady County, NY | 65 | Not published | 16.5% |
| Saratoga County, NY | 31 | Not published | 8.8% |
| Albany County, NY | 20 | Not published | 9.1% |
| Montgomery County, NY | 4 | Under 10 loans | 20.0% |
| Rensselaer County, NY | 4 | Under 10 loans | 42.9% |
| Fulton County, NY | 3 | Under 10 loans | 0.0% |
| Warren County, NY | 3 | Under 10 loans | 0.0% |
| Washington County, NY | 3 | Under 10 loans | 0.0% |
| Hamilton County, NY | 1 | Under 10 loans | 0.0% |
| Schoharie County, NY | 1 | Under 10 loans | 0.0% |
| Ulster County, NY | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 0 | Under 10 loans | Not published |
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When First National Bank of Scotia’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.