What people paid for mortgages in Saratoga County, NY (2025)

Across 2,122 closed home-purchase loans in 2025, the median interest rate in Saratoga was 6.375%, and the middle half of borrowers got between 6% and 6.625%. Median total loan costs ran $5,479 on a median loan of $355,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.375%
Middle half of rates: 6%–6.625%
Median total loan costs: $5,479
Median loan amount: $355,000

2,122 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.75%–6.625%
Median total loan costs: $6,653
Median loan amount: $255,000

590 loans, 2025.

Lowest median rates in Saratoga (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.SEFCU SERVICES LLC5.875%338 loans, median costs $4,738
2.Navy Federal Credit Union6%30 loans, median costs $8,710
3.SUNMARK CREDIT UNION6.125%41 loans, median costs $4,931
4.KEYBANK NATIONAL ASSOCIATION6.25%31 loans, median costs $6,012
5.Homestead Funding Corp.6.375%296 loans, median costs $5,184

Among lenders with at least 30 closed purchase loans in Saratoga County in 2025.

Refinance

1.Broadview Federal Credit Union5.25%36 loans, median costs n/a
2.Trustco Bank5.875%43 loans, median costs $1,991
3.SEFCU SERVICES LLC5.875%35 loans, median costs $3,816
4.ROCKET MORTGAGE6.375%111 loans, median costs $8,158

Among lenders with at least 30 closed refinance loans in Saratoga County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in Saratoga

Every lender that closed at least 5 qualifying loans in Saratoga County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	SEFCU SERVICES LLC	338	5.875%	$4,738	$1,081	$802
2	Homestead Funding Corp.	296	6.375%	$5,184	$1,195	$1,170
3	United Wholesale Mortgagebroker only	138	6.49%	$9,743	$5,749	$1,592
4	Glens Falls National Bank	136	6.375%	$5,046	$595	$854
5	Trustco Bank	136	6.375%	$4,221	$1,767	n/a
6	Ballston Spa National Bank	61	n/a	n/a	n/a	n/a
7	Premium Mortgage Corporation	50	6.5%	$5,077	$1,450	$598
8	TRIAD FINANCIAL SERVICES, INC.	42	8.74%	n/a	n/a	n/a
9	SUNMARK CREDIT UNION	41	6.125%	$4,931	$1,777	$640
10	PENNYMAC LOAN SERVICES LLC	41	6.375%	$8,681	$2,178	$3,146
11	THE ADIRONDACK TRUST COMPANY	40	n/a	n/a	n/a	n/a
12	NEW AMERICAN FUNDING, LLC.	39	6.625%	$5,975	$1,295	$1,503
13	NEWREZ LLC	39	6.5%	$10,087	$5,618	$1,876
14	FAIRWAY INDEPENDENT MORT CORP	34	6.562%	$8,722	$3,718	$2,661
15	JPMorgan Chase Bank, NA	34	6.375%	$6,762	$2,485	$2,065
16	KEYBANK NATIONAL ASSOCIATION	31	6.25%	$6,012	$1,729	$712
17	Navy Federal Credit Union	30	6%	$8,710	$0	$5,626
18	Sidney Federal Credit Union	29	6%	$4,165	$299	n/a
19	21ST MORTGAGE	27	10.58%	$6,811	$4,500	n/a
20	ROCKET MORTGAGE	26	6.812%	$6,705	$3,907	$4,238
21	Bank of America NA	22	6.125%	$5,662	$1,518	$703
22	FIRST NEW YORK FEDERAL CREDIT UNION	21	5.375%	$5,601	$1,000	n/a
23	NBT BANK NA	21	6.25%	$6,417	$2,040	$1,940
24	Mortgage Research Center	21	6.25%	$10,562	$0	$698
25	Broadview Federal Credit Union	19	4.75%	n/a	n/a	n/a
26	M&T BANK	19	6.5%	$6,938	$1,500	$2,437
27	PRIMELENDING	18	6.558%	$5,822	$1,255	$1,076
28	GUARANTEED RATE, INC.	18	6.75%	$7,174	$2,784	$1,571
29	1ST PRIORITY MORTGAGE, INC.	18	6.625%	$6,318	$2,146	$1,125
30	Community Bank, N.A.	16	7%	$3,760	$900	$2,640
31	First National Bank of Scotia	15	n/a	n/a	n/a	n/a
32	Chemung Canal Trust Company	15	6.25%	$6,590	$1,445	n/a
33	MOVEMENT MORTGAGE, LLC	13	6.75%	$6,601	$1,830	$1,983
34	Credit Human Federal Credit Un	13	8.5%	$4,110	$1,004	n/a
35	CROSSCOUNTRY MORTGAGE, LLC	13	6.75%	$5,593	$1,590	$2,960
36	HUDSON VALLEY CREDIT UNION	12	6.188%	$4,744	$350	$1,758
37	GREENWOOD CREDIT UNION	12	9.24%	n/a	n/a	n/a
38	PLAZA HOME MORTGAGE, INCbroker only	11	6.625%	$8,523	$2,759	$1,420
39	Hudson River Community CU	11	6.25%	$3,003	$125	n/a
40	TD Bank	9	6.875%	$5,970	$950	$781

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

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What happens after you submit

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Common questions

What mortgage rate did people get in Saratoga County in 2025?

The median interest rate on closed home-purchase loans in Saratoga County, New York in 2025 was 6.375%, across 2,122 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.625%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.