Lender profile · HMDA 2023–2025
Saratoga N.A.tional Bank and Trust Company mortgage approval rates & lending data
Saratoga N.A.tional Bank and Trust Company decided 751 mortgage applications and funded 624 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 | 96% | 367 / 384 | 100% | $445K | 367 |
| Home improvement loans | 69% | 145 / 209 | 99% | $85K | 144 |
| Refinance | 64% | 27 / 42 | 100% | $105K | 27 |
| Investment property purchase | 86% | 49 / 57 | 100% | $545K | 49 |
| Investment home improvement | 52% | 16 / 31 | 100% | $65K | 16 |
Saratoga N.A.tional Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 83% | $445K | 751 | 624 |
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.