# Adirondack Bank

> **Canonical URL:** https://saferate.com/lenders/adirondack-bank


> **📋 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


Adirondack Bank is a bank, headquartered in Utica, NY, with 170 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300EZG6KIP4HOUR65
- **Headquarters:** Utica, 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: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

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

### Pricing Details
- **Average Rate Spread:** +0.201%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,065
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 170
- **Dollar Volume:** $37 million
- **Applications Received:** 237
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $219,471
- **Average Borrower Income:** $145,282
- **Average Property Value:** $307,235

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 167 | +0.196% | $1,068 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 143 loans, Score: 62/100 (Strong)
- Refinance: 24 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 146 | $34M | +0.172% | Sound ☺️ |
| Refinance | 51/100 | 24 | $3M | +0.363% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 170 | 0.15% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Utica | NY | 149 | 97/100 |
| Non |  | 17 | 31/100 |

## Where This Lender Ranks

Adirondack Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Utica Banks
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/banks)
- 🏆 **#5** in Utica for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Utica
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders)
- 🏆 **#12** in Utica for Conventional Loans
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Adirondack Bank offer?

Adirondack Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Adirondack Bank offer mortgages?

Adirondack Bank offers mortgages in 1 states: NY.

### How competitive are Adirondack Bank's mortgage rates?

Adirondack Bank has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.201% above market average.

### What type of lender is Adirondack Bank?

Adirondack Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Utica, NY.

### What is Adirondack Bank's loan approval success rate?

Adirondack Bank has a pull-through score of 72/100 (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/adirondack-bank

### How to Cite

> "Adirondack Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/adirondack-bank

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