# SARATOGA NATIONAL BANK AND TRUST COMPANY

> **Canonical URL:** https://saferate.com/lenders/saratoga-national-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SARATOGA NATIONAL BANK AND TRUST COMPANY is a bank, headquartered in SARATOGA SPRINGS, NY, with 222 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493002JNEZK52NOPC21
- **Headquarters:** SARATOGA SPRINGS, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.106%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $854
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 222
- **Dollar Volume:** $101 million
- **Applications Received:** 293
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $456,036
- **Average Borrower Income:** $249,689
- **Average Property Value:** $626,577

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 197 | -0.096% | $820 | Sound ☺️ |
| Jumbo | 73/100 | 25 | -0.201% | $1,160 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 185 loans, Score: 57/100 (Sound)

**Jumbo:**
- Purchase: 22 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 207 | $92M | -0.107% | Sound ☺️ |
| Refinance | 38/100 | 15 | $10M | -0.102% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 222 | 0.20% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Albany | NY | 198 | 80/100 |
| Glens Falls, NY | NY | 16 | 54/100 |

## Where This Lender Ranks

SARATOGA NATIONAL BANK AND TRUST COMPANY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Albany for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Albany Banks
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/banks)
- 🥈 **#2** in Albany for Jumbo Loans
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Albany
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders)
- 🏆 **#10** in Glens Falls, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/glens-falls-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Albany for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Glens Falls, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/glens-falls-ny/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SARATOGA NATIONAL BANK AND TRUST COMPANY offer?

SARATOGA NATIONAL BANK AND TRUST COMPANY offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SARATOGA NATIONAL BANK AND TRUST COMPANY offer mortgages?

SARATOGA NATIONAL BANK AND TRUST COMPANY offers mortgages in 1 states: NY.

### How competitive are SARATOGA NATIONAL BANK AND TRUST COMPANY's mortgage rates?

SARATOGA NATIONAL BANK AND TRUST COMPANY has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.106% below market average.

### What type of lender is SARATOGA NATIONAL BANK AND TRUST COMPANY?

SARATOGA NATIONAL BANK AND TRUST COMPANY is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in SARATOGA SPRINGS, NY.

### What is SARATOGA NATIONAL BANK AND TRUST COMPANY's loan approval success rate?

SARATOGA NATIONAL BANK AND TRUST COMPANY has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/saratoga-national-bank-and-trust

### How to Cite

> "SARATOGA NATIONAL BANK AND TRUST COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/saratoga-national-bank-and-trust

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