HMDA records
502
2025
Institution profile
Ballston Spa National Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
HMDA activity
Public HMDA records are available for 2019–2025.
Loan originations
340
2025
Denials
8
2025
Withdrawals
46
2025
Denial rate among decisioned applications
1.8%
2025
Annual history
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 502 | 340 | 106 | 8 | 46 | 1.8% |
| 2024 | 502 | 310 | 122 | 19 | 46 | 4.2% |
| 2023 | 490 | 315 | 101 | 11 | 61 | 2.6% |
| 2022 | 448 | 320 | 54 | 14 | 52 | 3.6% |
| 2021 | 574 | 444 | 46 | 18 | 63 | 3.5% |
| 2020 | 643 | 494 | 69 | 20 | 55 | 3.4% |
| 2019 | 466 | 339 | 61 | 16 | 48 | 3.8% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 502 |
| FHA | 0 |
| VA | 0 |
| RHS / FSA | 0 |
| Home purchase | 432 |
| Home improvement | 0 |
| Refinancing | 6 |
| Cash-out refinancing | 62 |
State reporting
10 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.