# Rhinebeck Bank

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


Rhinebeck Bank is a bank, headquartered in Rhinebeck, NY, with 60 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300G4F3X6FTMZP579
- **Headquarters:** Rhinebeck, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.067%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $786
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 60
- **Dollar Volume:** $21 million
- **Applications Received:** 71
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $356,333
- **Average Borrower Income:** $192,567
- **Average Property Value:** $498,667

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 59 | +0.067% | $786 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 48 loans, Score: 40/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 49 | $17M | +0.076% | Sound ☺️ |
| Refinance | 21/100 | 11 | $4M | +0.031% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 60 | 0.05% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kiryas Joel | NY | 26 | 63/100 |
| Kingston, NY | NY | 22 | 65/100 |
| Non |  | 10 | 28/100 |

## Where This Lender Ranks

Rhinebeck Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Kingston, NY Banks
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/banks)
- 🏆 **#4** in Kingston, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Kingston, NY
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders)
- 🏆 **#7** in Kiryas Joel Banks
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/banks)
- 🏆 **#8** in Kingston, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Kiryas Joel for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Kiryas Joel
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders)
- 🏆 **#18** in Kiryas Joel for Conventional Loans
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Rhinebeck Bank offer?

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

### Where does Rhinebeck Bank offer mortgages?

Rhinebeck Bank offers mortgages in 1 states: NY.

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

Rhinebeck Bank has a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.067% above market average.

### What type of lender is Rhinebeck Bank?

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

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

Rhinebeck Bank has a pull-through score of 44/100 (Sound). 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/rhinebeck-bank

### How to Cite

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

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