# NORWICH COMMERCIAL GROUP, INC.

> **Canonical URL:** https://saferate.com/lenders/norwich-commercial-group


> **📋 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


NORWICH COMMERCIAL GROUP, INC. is a independent mortgage company, headquartered in AVON, CT, serving borrowers across 38 states, with 2,369 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300T5QSL6MC8M4D04
- **Headquarters:** AVON, CT
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MS, NC, NH, NJ, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV
- **Markets (MSAs):** 34
- **Primary Channel:** mix
- **Direct Origination:** 36.7%
- **Brokered/Wholesale:** 63.3%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

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

### Pricing Details
- **Average Rate Spread:** +0.304%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,375
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,369
- **Dollar Volume:** $1.0 billion
- **Applications Received:** 3,665
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $430,597
- **Average Borrower Income:** $159,994
- **Average Property Value:** $534,181

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 1,594 | +0.359% | $2,503 | Strong 😀 |
| FHA | 77/100 | 557 | +0.455% | $2,546 | Strong 😀 |
| VA | 71/100 | 174 | -0.548% | $1,029 | Strong 😀 |
| USDA | 81/100 | 42 | -0.105% | $1,423 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,447 loans, Score: 75/100 (Strong)
- Refinance: 147 loans, Score: 67/100 (Strong)

**FHA:**
- Purchase: 497 loans, Score: 77/100 (Strong)
- Refinance: 60 loans, Score: 51/100 (Sound)

**VA:**
- Purchase: 154 loans, Score: 71/100 (Strong)
- Refinance: 20 loans, Score: 49/100 (Sound)

**USDA:**
- Purchase: 42 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 2,141 | $917M | +0.336% | Strong 😀 |
| Refinance | 68/100 | 228 | $103M | +0.031% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 705 | 0.62% | 82/100 |
| CT | 374 | 1.09% | 80/100 |
| NJ | 238 | 0.28% | 73/100 |
| MA | 171 | 0.28% | 68/100 |
| CA | 136 | 0.05% | 57/100 |
| FL | 112 | 0.04% | 55/100 |
| PA | 79 | 0.07% | 57/100 |
| AZ | 66 | 0.07% | 55/100 |
| IL | 52 | 0.04% | 52/100 |
| GA | 51 | 0.04% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 376 | 80/100 |
| Non |  | 205 | 58/100 |
| Hartford | CT | 170 | 77/100 |
| Kiryas Joel | NY | 169 | 84/100 |
| Nassau County | NY | 126 | 69/100 |
| Lakewood | NJ | 109 | 69/100 |
| Newark, NJ | NJ | 93 | 69/100 |
| Waterbury | CT | 66 | 71/100 |
| Fresno, CA | CA | 64 | 65/100 |
| Phoenix | AZ | 55 | 54/100 |
| New Haven, CT | CT | 52 | 66/100 |
| Springfield, MA | MA | 46 | 64/100 |
| Chicago | IL | 44 | 52/100 |
| Cambridge | MA | 36 | 53/100 |
| Boston, MA | MA | 35 | 54/100 |

## Where This Lender Ranks

NORWICH COMMERCIAL GROUP, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Kiryas Joel Mortgage Companies
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in New York Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Waterbury Mortgage Companies
  - [View Full Rankings](https://saferate.com/waterbury/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Fresno, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in New Haven, CT Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in Norwich Mortgage Companies
  - [View Full Rankings](https://saferate.com/norwich/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Kiryas Joel
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders)
- 🏆 **#10** in Nassau County Mortgage Companies
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Springfield, MA Mortgage Companies
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in New York Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Hartford Mortgage Companies
  - [View Full Rankings](https://saferate.com/hartford/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in Newark, NJ Mortgage Companies
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in Norwich
  - [View Full Rankings](https://saferate.com/norwich/best-mortgage-lenders)
- 🏆 **#14** in Connecticut Mortgage Companies
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Fresno, CA
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders)
- 🏆 **#14** in Norwich for FHA Loans
  - [View Full Rankings](https://saferate.com/norwich/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Norwich for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/norwich/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Portland Mortgage Companies
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Kiryas Joel for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Waterbury
  - [View Full Rankings](https://saferate.com/waterbury/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does NORWICH COMMERCIAL GROUP, INC. offer?

NORWICH COMMERCIAL GROUP, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NORWICH COMMERCIAL GROUP, INC. offer mortgages?

NORWICH COMMERCIAL GROUP, INC. offers mortgages in 38 states: AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MS, NC, NH, NJ, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV.

### How competitive are NORWICH COMMERCIAL GROUP, INC.'s mortgage rates?

NORWICH COMMERCIAL GROUP, INC. has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.304% above market average.

### What type of lender is NORWICH COMMERCIAL GROUP, INC.?

NORWICH COMMERCIAL GROUP, INC. is a non-depository lender that specializes in mortgage origination, headquartered in AVON, CT.

### What is NORWICH COMMERCIAL GROUP, INC.'s loan approval success rate?

NORWICH COMMERCIAL GROUP, INC. 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/norwich-commercial-group

### How to Cite

> "NORWICH COMMERCIAL GROUP, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/norwich-commercial-group

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