Adirondack Bank mortgage approval rate & lending review
Adirondack Bank decided 613 mortgage applications and funded 497 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Adirondack Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Adirondack Bank at a glance
Approval is 4.8 points above the 81.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 321 / 342 | 94% | $185K | 303 |
| Home improvement loans | 69% | 68 / 99 | 96% | $55K | 65 |
| Refinance | 75% | 61 / 81 | 97% | $85K | 59 |
| Investment property purchase | 88% | 57 / 65 | 88% | $135K | 50 |
Adirondack Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 86% | $185K | 613 | 497 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Adirondack Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oneida County, NY | Mortgage lenders | 94% | 321 | 286 |
| Oneida County, NY | Home improvement loans | 73% | 91 | 63 |
| Oneida County, NY | Refinance | 76% | 79 | 58 |
| Oneida County, NY | Investment property purchase | 89% | 61 | 47 |
The county markets where Adirondack Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Adirondack Bank
What is Adirondack Bank's mortgage approval rate?
Adirondack Bank approved 86.1% of the 613 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.8 points above the 81.3% national rate for the same mix of loan types.
How often do borrowers take the loan Adirondack Bank offers?
Borrowers accepted 94% of the loans Adirondack Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Adirondack Bank make?
The typical home purchase mortgage loan Adirondack Bank made was $185K; across all loan types its typical loan ran from $55K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Adirondack Bank lend?
Adirondack Bank decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Adirondack Bank directly?
Yes. Adirondack Bank is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Adirondack Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Adirondack Bank treats applications, then get a rate quote from the lender.