Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Saratoga County, New York
Every institution that decided a 1–4 unit mortgage application in Saratoga County, home to Saratoga Springs, between 2023 and 2025: 16,487 applications, 12,619 loans actually funded, across 8 kinds of borrowing.
Saratoga County at a glance
16,487Applications decided
2023–2025
12,619Loans funded
77% of decisions
65Census tracts
21 ZIP codes
237,075People
ACS 2023
What the data shows
The typical purchase mortgage here is $345K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 125 applications.
Lending by loan type in Saratoga County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 84.7% | 8,327 | $345K | 92% | 177 |
| Home improvement loans | 76.0% | 3,756 | $75K | 98% | 67 |
| Cash-out refinance | 77.9% | 1,800 | $195K | 98% | 91 |
| Refinance | 75.4% | 1,500 | $145K | 96% | 87 |
| Investment property purchase | 87.7% | 746 | $285K | 95% | 125 |
| Investment cash-out refinance | 74.5% | 149 | $255K | 95% | 57 |
| Investment refinance | 79.8% | 84 | $205K | 94% | 37 |
| Investment home improvement | 49.6% | 125 | $155K | 95% | 33 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.