Lender profile
Saratoga'S Community
Lender Live rate observations
Saratoga'S Community at a glance
Saratoga'S Community is a lender based in New York. LoanMate.ai tracks 13 published loan products from Saratoga'S Community (15 rate listings), last verified 2026-10-17. Its lowest published rate today is 5% on HELOC · INTRO. Its HELOC · INTRO rate of 5% is 0.75 points below the national median of 5.75% (across 71 lenders publishing that product). Saratoga'S Community lends in New York only.
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC-INTRO | 5.00 | — | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-20yr | 8.00 | 8.00 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | 8.00 | 8.137 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-24 | — | 6.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-36 | — | 7.25 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-48 | — | 7.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 8.00 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 8.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 8.75 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-36 | — | 8.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 8.50 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 8.75 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-72 | — | 9.00 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-84 | — | 10.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 12.00 | — | — | 2026-10-17 | Lender source ↗ |
How Saratoga'S Community compares
Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Saratoga'S Community?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Saratoga'S Community is 5% on its HELOC · INTRO. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Saratoga'S Community lend?
Saratoga'S Community lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Saratoga'S Community's HELOC · INTRO rate compare nationally?
Saratoga'S Community publishes HELOC · INTRO at 5%. The national median for that product is 5.75% across 71 lenders in LoanMate.ai's October 17, 2026 dataset, so Saratoga'S Community is 0.75 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.