Lender profile · HMDA 2023–2025
Ballston Spa National Bank mortgage approval rates & lending data
Ballston Spa National Bank decided 1,153 mortgage applications and funded 828 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 827 / 846 | 69% | $205K | 568 |
| Cash-out refinance | 92% | 101 / 110 | 93% | $95K | 94 |
| Investment property purchase | 99% | 127 / 128 | 80% | $195K | 102 |
| Investment cash-out refinance | 93% | 50 / 54 | 100% | $235K | 50 |
Ballston Spa National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 97% | $355K | 678 | 573 |
| Pennsylvania | 98% | $85K | 216 | 110 |
| Florida | 91% | $115K | 91 | 35 |
| Connecticut | 98% | $105K | 65 | 39 |
| New Jersey | 92% | $85K | 39 | 27 |
| South Carolina | 97% | $135K | 29 | 19 |
| Delaware | 100% | $115K | 19 | 14 |
| Massachusetts | 100% | $95K | 9 | 6 |
| North Carolina | 100% | $355K | 4 | 4 |
| Georgia | 100% | $115K | 3 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.