Applications / Mortgage Analytics / Lenders / New York / Ballston SPA National Bank
Ballston Spa, NY · National bank · OCC · $929 million assets · 340 loans in 2025
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340
loans originated, 2025
502
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ballston SPA National Bank, a New York national bank, lends on manufactured homes more than any similar bank: they made up 42.1% of its 340 loans in 2025.
The typical similar lender (national banks making between half and twice as many loans) put 1.2% of its loans into manufactured homes. Purchases made up 82.9% of the bank's loans. Its typical loan, $175,000, was lower than at about two-thirds of similar lenders, which may reflect the smaller size of many manufactured-home loans.
It turned down 1.2% of first-lien home-purchase applications on owner-occupied homes, against 6.0% at the typical similar lender. That puts it among the lowest tenth of the 69 similar lenders with a rate.
Low- and moderate-income (LMI) borrowers took 33.2% of its loans, more than at about three-quarters of similar lenders, where the typical share is 26.0%. Its share in LMI neighborhoods, 15.6%, is near the middle; in 2020 it was 7.9%.
In Albany-Schenectady-Troy, NY, its biggest market, it ranks 16 of 265 lenders, with 1.3% of lending against 1.5% a year earlier. A handful of loans either way could explain so small a move. Its 340 loans were up from 310 in 2024, and 10% growth matched the market's, but it made 494 in 2020.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ballston SPA National Bank took 502 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.9% · Refinance 16.5% · Not applicable 0.6%
Conventional 100.0% · of 340 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 240 | 70.6% |
| Pennsylvania | 32 | 9.4% |
| Connecticut | 23 | 6.8% |
| Florida | 17 | 5.0% |
| New Jersey | 15 | 4.4% |
| South Carolina | 7 | 2.1% |
| Delaware | 4 | 1.2% |
| Massachusetts | 1 | 0.3% |
| North Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany-Schenectady-Troy | 188 |
| Glens Falls | 10 |
| Hartford-West Hartford-East Hartford | 10 |
| Montgomery County-Bucks County-Chester County | 10 |
| Norwich-New London-Willimantic | 8 |
| Allentown-Bethlehem-Easton | 7 |
| Kiryas Joel-Poughkeepsie-Newburgh | 7 |
| Lakewood-New Brunswick | 7 |
| Buffalo-Cheektowaga | 6 |
| Port St. Lucie | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QY4UCP33T94N09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 505 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11253 | 1990–2017 |
Established 1 January 1838. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Ballston SPA National Bank's data.
Ballston SPA National Bank's data
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Ballston SPA National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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