Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Schenectady County, New York
Every institution that decided a 1–4 unit mortgage application in Schenectady County between 2023 and 2025: 10,754 applications, 8,313 loans actually funded, across 8 kinds of borrowing.
Schenectady County at a glance
10,754Applications decided
2023–2025
8,313Loans funded
77% of decisions
45Census tracts
9 ZIP codes
159,603People
ACS 2023
What the data shows
The typical purchase mortgage here is $245K.
Lending by loan type in Schenectady County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.9% | 4,920 | $245K | 96% | 158 |
| Home improvement loans | 70.5% | 2,560 | $55K | 98% | 46 |
| Cash-out refinance | 72.2% | 1,275 | $165K | 97% | 79 |
| Refinance | 72.4% | 923 | $105K | 96% | 65 |
| Investment property purchase | 74.9% | 662 | $175K | 96% | 98 |
| Investment cash-out refinance | 74.4% | 254 | $165K | 95% | 53 |
| Investment refinance | 81.5% | 103 | $175K | 98% | 38 |
| Investment home improvement | 40.4% | 57 | $115K | 96% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.