Applications / Mortgage Analytics / Lenders / New York / The Adirondack Trust Company
Saratoga Springs, NY · State member bank · FRS · $1.8 billion assets · 138 loans in 2025
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138
loans originated, 2025
230
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Adirondack Trust Company, a Saratoga Springs bank lending in seven New York counties, makes larger home loans than similar banks, and far fewer of them than in 2021.
Its typical loan was $340,000, against $175,000 at similar lenders, meaning state member banks making between half and twice as many loans; that is larger than at about nine in ten of them. Jumbo loans (larger than the conforming limit) were 4.8% of its lending, against 1.5%. Purchases made up 67.4% of its loans, and all were conventional.
It made 138 loans in 2025, down 18% from 169, while similar lenders typically grew 8% and the whole market 10%. That was a steeper fall than at more than nine in ten peers, and it follows a slide from 329 loans in 2021. The figures do not show why.
Low- and moderate-income borrowers took 13.9% of its loans, down from 23.6% and among the lowest tenth of peers, where the typical share was 27.3%. Its larger loans are one possible reason. Its share in poorer neighborhoods, 15.2%, was close to peers' 16.6% and up from 9.5%.
It has lent in Albany-Schenectady-Troy since 1990, the first year of the public data, and in Glens Falls since 1991. Its share rose in both in 2025: from 3.1% to 4.1% in Glens Falls, where it ranked 5 of 145 lenders, and from 1.7% to 1.9% in Albany-Schenectady-Troy, where it ranked 11 of 265. Its loans reach seven counties, all in New York.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Adirondack Trust Company took 230 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.4% · Refinance 16.7% · Other 10.1% · Home improvement 5.8%
Conventional 100.0% · of 138 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 | 138 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany-Schenectady-Troy | 96 |
| Glens Falls | 40 |
| New York-Jersey City-White Plains | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900158KALQ2PWDU44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 645317 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2645317 | 1990–2017 |
Established 1 January 1901. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Adirondack Trust Company's data.
The Adirondack Trust Company's data
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The Adirondack Trust Company 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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