# Ulster Savings Bank

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


Ulster Savings Bank is a bank, headquartered in Kingston, NY, serving borrowers across 2 states, with 250 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008GTOZI3HQKE634
- **Headquarters:** Kingston, NY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CT, NY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.155%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,715
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 250
- **Dollar Volume:** $90 million
- **Applications Received:** 289
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $358,160
- **Average Borrower Income:** $184,368
- **Average Property Value:** $515,400

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 237 | +0.157% | $2,734 | Strong 😀 |
| Jumbo | 60/100 | 11 | -0.568% | $1,500 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 214 loans, Score: 67/100 (Strong)
- Refinance: 23 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 227 | $83M | +0.142% | Strong 😀 |
| Refinance | 50/100 | 23 | $7M | +0.260% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 249 | 0.22% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kingston, NY | NY | 139 | 100/100 |
| Kiryas Joel | NY | 55 | 71/100 |
| Non |  | 36 | 41/100 |

## Where This Lender Ranks

Ulster Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Kingston, NY Banks
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/banks)
- 🥇 **#1** in Kingston, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Kingston, NY
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders)
- 🥈 **#2** in Kingston, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Kingston, NY for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Kingston, NY for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Kiryas Joel Banks
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/banks)
- 🏆 **#6** in Kiryas Joel for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Kiryas Joel
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders)
- 🏆 **#14** in Kiryas Joel for Conventional Loans
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in New York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in New York Banks
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks)
- 🏆 **#20** in New York for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

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

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

### Where does Ulster Savings Bank offer mortgages?

Ulster Savings Bank offers mortgages in 2 states: CT, NY.

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

Ulster Savings Bank has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.155% above market average.

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

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

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

Ulster Savings Bank has a pull-through score of 82/100 (Exceptional). 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/ulster-savings-bank

### How to Cite

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

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