Ballston Spa National Bank mortgage approval rate & lending review
Ballston Spa National Bank decided 1,153 mortgage applications and funded 828 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ballston Spa National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ballston Spa National Bank at a glance
Approval is 12.1 points above the 84.9% 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 | 98% | 827 / 846 | 69% | $205K | 568 |
| Cash-out refinance | 92% | 101 / 110 | 93% | $95K | 94 |
| Investment property purchase | 99% | 127 / 128 | 80% | $195K | 102 |
| Investment cash-out refinance | 93% | 50 / 54 | 100% | $235K | 50 |
Ballston Spa National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 97% | $355K | 678 | 573 |
| Pennsylvania | 98% | $85K | 216 | 110 |
| Florida | 91% | $115K | 91 | 35 |
| Connecticut | 98% | $105K | 65 | 39 |
| New Jersey | 92% | $85K | 39 | 27 |
| South Carolina | 97% | $135K | 29 | 19 |
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 Ballston Spa National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Saratoga County, NY | Mortgage lenders | 99% | 158 | 145 |
| Albany County, NY | Mortgage lenders | 100% | 76 | 68 |
| Saratoga County, NY | Cash-out refinance | 90% | 63 | 55 |
| Schenectady County, NY | Mortgage lenders | 100% | 39 | 37 |
| Albany County, NY | Investment property purchase | 100% | 29 | 29 |
| Saratoga County, NY | Investment property purchase | 100% | 31 | 29 |
| Rensselaer County, NY | Mortgage lenders | 100% | 28 | 24 |
| Albany County, NY | Investment cash-out refinance | 88% | 24 | 21 |
| Dutchess County, NY | Mortgage lenders | 96% | 25 | 14 |
The county markets where Ballston Spa National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Ballston Spa National Bank
What is Ballston Spa National Bank's mortgage approval rate?
Ballston Spa National Bank approved 97.1% of the 1,153 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.1 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan Ballston Spa National Bank offers?
Borrowers accepted 74% of the loans Ballston Spa National 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 Ballston Spa National Bank make?
The typical home purchase mortgage loan Ballston Spa National Bank made was $205K; across all loan types its typical loan ran from $95K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ballston Spa National Bank lend?
Ballston Spa National Bank decided applications in 10 of the states Fat Boy Data covers, most of them in New York, Pennsylvania and Florida.
Can I apply to Ballston Spa National Bank directly?
Yes. Ballston Spa National Bank is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ballston Spa National 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 Ballston Spa National Bank treats applications, then get a rate quote from the lender.