SARATOGA NATIONAL BANK AND TRUST COMPANY closing costs and rates (2024)
In 2024, SARATOGA NATIONAL BANK AND TRUST COMPANY originated 194 purchase mortgages at a median interest rate of 6.38% and median total closing costs of $4,201. That is $2,540 below the national median of $6,741. SARATOGA NATIONAL BANK AND TRUST COMPANY is most active in New York with 194 originations there.
Purchase Originations
194
Median Total Costs
$4,201
−37.7% vs national ($6,741)
Median Rate
6.375%
−3.7% vs national (6.620%)
Median Origination
$595
Median Lender Credits
$75
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 194 | 6.375% | $4,201 | $595 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 194 | 6.375% | $4,201 | #89 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,066 | 6.500% | — | 14 | −$1,135 | |
| 2 | $3,462 | 6.625% | — | 9 | −$739 | |
| 3 | $3,870 | 7.750% | — | 1 | −$331 | |
| 4 | $3,953 | 6.312% | — | 18 | −$248 | |
| 5 | $4,009 | 6.125% | — | 5 | −$192 | |
| 6 | $4,304 | 6.250% | — | 113 | +$103 | |
| 7 | $5,188 | 6.625% | — | 5 | +$987 | |
| 8 | $5,579 | 6.625% | — | 28 | +$1,378 | |
| 9 | $5,711 | 6.375% | — | 1 | +$1,510 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.