The Adirondack Trust Company mortgage approval rate & lending review
The Adirondack Trust Company decided 317 mortgage applications and funded 257 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Adirondack Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Adirondack Trust Company at a glance
Approval is 0.4 points below the 82.7% 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 | 81% | 138 / 171 | 99% | $395K | 137 |
| Refinance | 84% | 27 / 32 | 96% | $95K | 26 |
| Investment property purchase | 85% | 51 / 60 | 100% | $365K | 51 |
The Adirondack Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 82% | $395K | 317 | 257 |
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 The Adirondack Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Saratoga County, NY | Mortgage lenders | 83% | 163 | 134 |
| Saratoga County, NY | Investment property purchase | 87% | 53 | 46 |
| Saratoga County, NY | Refinance | 83% | 30 | 25 |
| Saratoga County, NY | Cash-out refinance | 75% | 20 | 15 |
The county markets where The Adirondack Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about The Adirondack Trust Company
What is The Adirondack Trust Company's mortgage approval rate?
The Adirondack Trust Company approved 82.3% of the 317 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.4 points below the 82.7% national rate for the same mix of loan types.
How often do borrowers take the loan The Adirondack Trust Company offers?
Borrowers accepted 98% of the loans The Adirondack 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 The Adirondack Trust Company make?
The typical home purchase mortgage loan The Adirondack Trust Company made was $395K; across all loan types its typical loan ran from $95K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Adirondack Trust Company lend?
The Adirondack Trust Company decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to The Adirondack Trust Company directly?
Yes. The Adirondack Trust Company is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Adirondack 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 The Adirondack Trust Company treats applications, then get a rate quote from the lender.