Arrow Bank, National Association, formerly known as Glens Falls National Bank and Trust Company which
unified with Saratoga National Bank and Trust Company on December 31, 2004, Home Mortgage Disclosure
Act (HMDA) data about our residential mortgage lending are now available on-line for your review.
The data shows the geographic distribution of loans and applications; ethnicity, race, sex, age, and
income of applicants and borrowers; and information about loan approvals and denials, regarding the
applications in each of the bank’s assessment area, may be obtained on the Consumer Financial
Protection Bureau's Website at www.consumerfinance.gov/hmda,
by entering the banks name in the Institution Name search box. HMDA data for many other financial
institutions are also available at this Web site.
2020, 2021 and 2022 Modified HMDA LAR can be located on the Consumer Financial
Protection Bureau's website the banks name in the Institution Name search box.