Saratoga N.A.tional Bank and Trust Company mortgage approval rate & lending review
Saratoga N.A.tional Bank and Trust Company decided 751 mortgage applications and funded 624 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Saratoga N.A.tional Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Saratoga N.A.tional Bank and Trust Company at a glance
Approval is 5.3 points above the 77.9% 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 | 96% | 367 / 384 | 100% | $445K | 367 |
| Home improvement loans | 69% | 145 / 209 | 99% | $85K | 144 |
| Refinance | 64% | 27 / 42 | 100% | $105K | 27 |
| Investment property purchase | 86% | 49 / 57 | 100% | $545K | 49 |
| Investment home improvement | 52% | 16 / 31 | 100% | $65K | 16 |
Saratoga N.A.tional Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 83% | $445K | 751 | 624 |
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 Saratoga N.A.tional Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Saratoga County, NY | Mortgage lenders | 96% | 247 | 237 |
| Saratoga County, NY | Home improvement loans | 77% | 146 | 112 |
| Albany County, NY | Mortgage lenders | 91% | 56 | 51 |
| Rensselaer County, NY | Mortgage lenders | 98% | 49 | 48 |
| Schenectady County, NY | Mortgage lenders | 97% | 32 | 31 |
| Saratoga County, NY | Investment property purchase | 93% | 29 | 27 |
| Saratoga County, NY | Refinance | 68% | 28 | 19 |
| Rensselaer County, NY | Home improvement loans | 58% | 24 | 14 |
| Albany County, NY | Home improvement loans | 42% | 24 | 10 |
The county markets where Saratoga N.A.tional Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Saratoga N.A.tional Bank and Trust Company
What is Saratoga N.A.tional Bank and Trust Company's mortgage approval rate?
Saratoga N.A.tional Bank and Trust Company approved 83.2% of the 751 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.3 points above the 77.9% national rate for the same mix of loan types.
How often do borrowers take the loan Saratoga N.A.tional Bank and Trust Company offers?
Borrowers accepted 100% of the loans Saratoga N.A.tional Bank and Trust Company 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 Saratoga N.A.tional Bank and Trust Company make?
The typical home purchase mortgage loan Saratoga N.A.tional Bank and Trust Company made was $445K; across all loan types its typical loan ran from $65K to $545K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Saratoga N.A.tional Bank and Trust Company lend?
Saratoga N.A.tional Bank and Trust Company decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Saratoga N.A.tional Bank and Trust Company directly?
Yes. Saratoga N.A.tional Bank and Trust Company reports as a direct lender that takes applications from borrowers.
Does this page show Saratoga N.A.tional Bank and Trust Company'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 Saratoga N.A.tional Bank and Trust Company treats applications, then get a rate quote from the lender.