Glens Falls National Bank and Trust Company
Glens Falls National Bank and Trust Company received 1,341 applications in 2025 and made 847 mortgages, in 18 counties across 2 states. The median rate its borrowers got was 6.125% on a median loan of $205,000. Of 1,078 decisions, 221 were denials — 20.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ERHDU3FCE3FA33 |
|---|---|
| Applications received | 1,341 |
| Mortgages made | 847 |
| Denied | 221 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 263 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.101 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 480 | 6.375% | $305,000 | 7.3% |
| Refinancing | 81 | 5.990% | $135,000 | 33.1% |
| Cash-out refinancing | 23 | 6.375% | $295,000 | 17.9% |
| Other purposes | 263 | 5.990% | $105,000 | 33.8% |
Where Glens Falls National Bank and Trust Company lends most
The 18 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 | 272 | 6.125% | 17.7% |
| Warren County, NY | 228 | 6.125% | 18.4% |
| Washington County, NY | 123 | 5.990% | 25.4% |
| Clinton County, NY | 57 | 6.375% | 20.8% |
| Albany County, NY | 43 | 6.500% | 23.2% |
| Essex County, NY | 41 | 5.990% | 25.9% |
| Rensselaer County, NY | 41 | 6.500% | 14.6% |
| Schenectady County, NY | 25 | 6.625% | 24.2% |
| Fulton County, NY | 5 | Under 10 loans | 16.7% |
| Montgomery County, NY | 4 | Under 10 loans | 50.0% |
| Franklin County, NY | 3 | Under 10 loans | 25.0% |
| Hamilton County, NY | 2 | Under 10 loans | 33.3% |
| Greene County, NY | 1 | Under 10 loans | 0.0% |
| Bennington County, VT | 1 | Under 10 loans | 50.0% |
| Rutland County, VT | 1 | Under 10 loans | 0.0% |
| Dutchess County, NY | 0 | Under 10 loans | Not published |
| St. Lawrence County, NY | 0 | Under 10 loans | Not published |
| Schoharie County, NY | 0 | Under 10 loans | 100.0% |
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When Glens Falls National Bank and Trust Company’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.