Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Rensselaer County, New York
Every institution that decided a 1–4 unit mortgage application in Rensselaer County, home to Troy, between 2023 and 2025: 10,091 applications, 7,886 loans actually funded, across 8 kinds of borrowing.
Rensselaer County at a glance
10,091Applications decided
2023–2025
7,886Loans funded
78% of decisions
48Census tracts
15 ZIP codes
160,341People
ACS 2023
What the data shows
The typical purchase mortgage here is $245K.
Lending by loan type in Rensselaer County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.2% | 4,445 | $245K | 96% | 155 |
| Home improvement loans | 72.2% | 2,601 | $65K | 98% | 56 |
| Cash-out refinance | 73.8% | 985 | $165K | 96% | 77 |
| Refinance | 72.2% | 917 | $105K | 96% | 73 |
| Investment property purchase | 86.9% | 642 | $165K | 97% | 96 |
| Investment cash-out refinance | 76.6% | 282 | $175K | 91% | 59 |
| Investment refinance | 80.0% | 140 | $165K | 96% | 42 |
| Investment home improvement | 40.5% | 79 | $145K | 97% | 31 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.