Ballston Spa National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Ballston Spa National Bank 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ballston Spa National Bank Po Box 70 Ballston Spa, NY 12020 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 415 |
| Total Mortgage Loan Application Amount | $69,375,000 |
| Average Mortgage Loan Application Amount | $204,250 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $117,750 |
| Highest Applicant Income | $761,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Ballston Spa National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ballston Spa National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Ballston Spa National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ballston Spa National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Ballston Spa National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ballston Spa National Bank's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Saratoga County New York | 156 | $ 30,370,000 | $ 194,000 | $ 109,000 |
| Albany County New York | 75 | $ 12,915,000 | $ 172,000 | $ 142,000 |
| Schenectady County New York | 33 | $ 6,955,000 | $ 210,000 | $ 116,000 |
| Rensselaer County New York | 23 | $ 5,175,000 | $ 225,000 | $ 106,000 |
| Warren County New York | 15 | $ 4,015,000 | $ 267,000 | $ 163,000 |
| Fulton County New York | 12 | $ 1,540,000 | $ 128,000 | $ 192,000 |
| Dutchess County New York | 11 | $ 505,000 | $ 45,000 | $ 71,000 |
| Ulster County New York | 7 | $ 425,000 | $ 60,000 | $ 55,000 |
| Berks County Pennsylvania | 7 | $ 555,000 | $ 79,000 | $ 62,000 |
| Sussex County Delaware | 6 | $ 400,000 | $ 66,000 | $ 84,000 |
| Lancaster County Pennsylvania | 6 | $ 310,000 | $ 51,000 | $ 59,000 |
| York County Pennsylvania | 5 | $ 175,000 | $ 35,000 | $ 39,000 |
| Montgomery County Pennsylvania | 4 | $ 340,000 | $ 85,000 | $ 91,000 |
| Putnam County New York | 3 | $ 185,000 | $ 61,000 | $ 66,000 |
| Suffolk County New York | 3 | $ 205,000 | $ 68,000 | $ 138,000 |
| Ocean County New Jersey | 2 | $ 140,000 | $ 70,000 | $ 66,000 |
| Columbia County New York | 2 | $ 380,000 | $ 190,000 | $ 99,000 |
| Erie County New York | 2 | $ 70,000 | $ 35,000 | $ 53,000 |
| Niagara County New York | 2 | $ 70,000 | $ 35,000 | $ 44,000 |
| Washington County New York | 2 | $ 430,000 | $ 215,000 | $ 130,000 |
| Adams County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 33,000 |
| Franklin County Pennsylvania | 2 | $ 60,000 | $ 30,000 | $ 77,000 |
| Northumberland County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 40,000 |
| Middlesex County Connecticut | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| New London County Connecticut | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Kent County Delaware | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Citrus County Florida | 1 | $ 275,000 | $ 275,000 | $ 222,000 |
| Lee County Florida | 1 | $ 305,000 | $ 305,000 | $ 127,000 |
| Sarasota County Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Middlesex County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Monmouth County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Broome County New York | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Genesee County New York | 1 | $ 25,000 | $ 25,000 | $ 130,000 |
| Herkimer County New York | 1 | $ 565,000 | $ 565,000 | $ 637,000 |
| Monroe County New York | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Oneida County New York | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Ontario County New York | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Orange County New York | 1 | $ 45,000 | $ 45,000 | $ 101,000 |
| Orleans County New York | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Rockland County New York | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Schoharie County New York | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Allegheny County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Bucks County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Carbon County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Cumberland County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 159,000 |
| Dauphin County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 139,000 |
| Lebanon County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Luzerne County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Northampton County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Washington County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Horry County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
Mortgage Loan Application Detail Totals for Ballston Spa National Bank in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 259 | $41,125,000 | $158,000 | $975,000 | $105,000 | $528,000 |
| Cash-out Refinancing | 113 | $17,695,000 | $156,000 | $2,005,000 | $127,000 | $761,000 |
| Refinancing | 25 | $5,325,000 | $213,000 | $635,000 | $92,000 | $205,000 |
| Home Improvement | 18 | $5,230,000 | $290,000 | $805,000 | $147,000 | $679,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 368 | $58,520,000 | $159,000 | $805,000 | $112,000 | $679,000 |
| Not Provided | 25 | $3,405,000 | $136,000 | $365,000 | $108,000 | $761,000 |
| Not applicable | 8 | $5,110,000 | $638,000 | $2,005,000 | $0 | $0 |
| Asian | 7 | $935,000 | $133,000 | $275,000 | $97,000 | $135,000 |
| Hispanic | 3 | $305,000 | $101,000 | $145,000 | $126,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 415 | $69,375,000 | $167,000 | $2,005,000 | $112,000 | $761,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 293 | $51,225,000 | $174,000 | $2,005,000 | $119,000 | $761,000 |
| Application Withdrawn By Applicant | 53 | $10,015,000 | $188,000 | $605,000 | $107,000 | $264,000 |
| File Closed For Incompleteness | 40 | $2,980,000 | $74,000 | $305,000 | $80,000 | $230,000 |
| Application Denied By Financial Institution | 21 | $3,335,000 | $158,000 | $375,000 | $83,000 | $195,000 |
| Application Approved But Not Accepted | 4 | $920,000 | $230,000 | $405,000 | $139,000 | $205,000 |
| Preapproval Denied by Financial Institution | 4 | $900,000 | $225,000 | $365,000 | $77,000 | $122,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 390 | $65,140,000 | $167,000 | $2,005,000 | $114,000 | $761,000 |
| Debt-To-Income Ratio | 12 | $2,010,000 | $167,000 | $345,000 | $66,000 | $195,000 |
| Credit History | 7 | $1,065,000 | $152,000 | $365,000 | $87,000 | $128,000 |
| Collateral | 3 | $825,000 | $275,000 | $375,000 | $148,000 | $195,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $139,000 | $139,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $36,000 | $36,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $50,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ballston Spa National Bank's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ballston Spa National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.