# Community Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/community-bank-national-association


> **📋 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


Community Bank, National Association is a bank, headquartered in Canton, NY, serving borrowers across 5 states, with 2,373 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005RDTT7HVODH436
- **Headquarters:** Canton, NY
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** MA, NH, NY, PA, VT
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.769%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $375
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,373
- **Dollar Volume:** $463 million
- **Applications Received:** 3,166
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $195,093
- **Average Borrower Income:** $109,922
- **Average Property Value:** $246,879

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 2,347 | +0.773% | $376 | Exceptional 🤩 |
| VA | 56/100 | 11 | -0.188% | $127 | Sound ☺️ |
| Jumbo | 40/100 | 10 | +0.210% | $533 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,088 loans, Score: 84/100 (Exceptional)
- Refinance: 259 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 2,112 | $425M | +0.757% | Exceptional 🤩 |
| Refinance | 72/100 | 261 | $38M | +0.854% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 1,928 | 1.70% | 93/100 |
| PA | 279 | 0.23% | 72/100 |
| VT | 147 | 2.51% | 75/100 |
| MA | 18 | 0.03% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,195 | 81/100 |
| Scranton | PA | 186 | 87/100 |
| Syracuse, NY | NY | 174 | 77/100 |
| Rochester, NY | NY | 169 | 71/100 |
| Buffalo | NY | 134 | 71/100 |
| Utica | NY | 125 | 87/100 |
| Albany | NY | 76 | 62/100 |
| Binghamton, NY | NY | 62 | 71/100 |
| Watertown | NY | 48 | 74/100 |
| Ithaca, NY | NY | 45 | 57/100 |
| Elmira, NY | NY | 43 | 75/100 |
| Burlington | VT | 40 | 60/100 |
| Allentown | PA-NJ | 34 | 58/100 |
| Glens Falls, NY | NY | 18 | 51/100 |
| Springfield, MA | MA | 11 | 41/100 |

## Where This Lender Ranks

Community Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Elmira, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Vermont for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Watertown Banks
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders/banks)
- 🥈 **#2** in Watertown for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Ithaca, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Utica for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Binghamton, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Ithaca, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Burlington for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Scranton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Albany for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Binghamton, NY Banks
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/banks)
- 🏆 **#4** in Ithaca, NY
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders)
- 🏆 **#4** in Elmira, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Burlington Banks
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/banks)
- 🏆 **#5** in Scranton for Conventional Loans
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Syracuse, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Watertown
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders)
- 🏆 **#5** in Watertown for Conventional Loans
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Glens Falls, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/glens-falls-ny/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Community Bank, National Association offer?

Community Bank, National Association offers the following mortgage loan types: Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Community Bank, National Association offer mortgages?

Community Bank, National Association offers mortgages in 5 states: MA, NH, NY, PA, VT.

### How competitive are Community Bank, National Association's mortgage rates?

Community Bank, National Association has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.769% above market average.

### What type of lender is Community Bank, National Association?

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

### What is Community Bank, National Association's loan approval success rate?

Community Bank, National Association has a pull-through score of 71/100 (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/community-bank-national-association

### How to Cite

> "Community Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-bank-national-association

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