# Northfield Savings Bank

> **Canonical URL:** https://saferate.com/lenders/northfield-savings-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


Northfield Savings Bank is a bank, headquartered in Northfield, VT, with 166 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300D7AV8NGI6N3S98
- **Headquarters:** Northfield, VT
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** VT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.099%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $819
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 166
- **Dollar Volume:** $57 million
- **Applications Received:** 240
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $340,783
- **Average Borrower Income:** $180,127
- **Average Property Value:** $501,325

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 157 | -0.110% | $826 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 140 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 147 | $52M | -0.098% | Sound ☺️ |
| Refinance | 42/100 | 19 | $5M | -0.104% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VT | 166 | 2.84% | 83/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 124 | 63/100 |
| Burlington | VT | 42 | 67/100 |

## Where This Lender Ranks

Northfield Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Vermont Banks
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/banks)
- 🥇 **#1** in Burlington Banks
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/banks)
- 🥈 **#2** in Vermont
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders)
- 🥈 **#2** in Vermont for Jumbo Loans
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Vermont for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Burlington for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Burlington
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders)
- 🏆 **#7** in Vermont for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Burlington for Conventional Loans
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Vermont for Conventional Loans
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Northfield Savings Bank offer?

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

### Where does Northfield Savings Bank offer mortgages?

Northfield Savings Bank offers mortgages in 1 states: VT.

### How competitive are Northfield Savings Bank's mortgage rates?

Northfield Savings Bank has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.099% below market average.

### What type of lender is Northfield Savings Bank?

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

### What is Northfield Savings Bank's loan approval success rate?

Northfield Savings Bank has a pull-through score of 64/100 (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/northfield-savings-bank

### How to Cite

> "Northfield Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/northfield-savings-bank

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