Lender in New York · HMDA 2025
Glens Falls National Bank and Trust Company mortgages in New York
Glens Falls National Bank and Trust Company's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Glens Falls National Bank and Trust Company originated 380 owner-occupied single-family loans in New York from 398 completed applications.
Its median conventional purchase loan costs were $4,450 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
380
of 398 applications
Denial rate
3.5%
Purchase · NY 9.5%
Rate spread
+0.10 pts
Conv. · NY +0.07 pts
Loan amount
$315,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 366 | 353 | 3.5% | 6.625% | +0.10 pts | $4,450 | $315,000 |
| Refinance | 8 | 7 | — | — | — | — | — |
| Cash-out refinance | 24 | 20 | 16.7% | — | +0.07 pts | $4,210 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Glens Falls National Bank and Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Warren County | 1 | 88 | 15.6% |
| Washington County | 4 | 52 | 8.9% |
| Clinton County | 4 | 22 | 4.4% |
| Saratoga County | 5 | 145 | 6.0% |
| Essex County | 6 | 11 | 4.3% |
| Rensselaer County | 13 | 19 | 1.3% |
| Hamilton County | 16 | 1 | 2.3% |
| Franklin County | 18 | 2 | 1.0% |
| Albany County | 20 | 20 | 0.8% |
| Schenectady County | 23 | 14 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology