Get & compare mortgage quotes anonymously Start in My Home
AB
Unclaimed

Adirondack Bank

Bank•Utica, NYHQ•Direct•Reviews near you on Google

Adirondack Bank has 170 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Exceptional
5/5
Single State · 1 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

Adirondack Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+20.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume167
Mix98.2%
Spread
+0.196%Above
Fees
$1,068Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume146
Mix85.9%
Spread
+0.172%Above
Fees
$1,189Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume24
Mix14.1%
Spread
+0.363%Above
Fees
$378Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
170
Applications
237
Volume
$37 million
Pricing & Closing
Avg Rate Spread
+0.201%
vs. market APOR
Avg Net Fees
$1,065
Origination − Credits
Pullthrough Rate
71.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$219,471
Avg Borrower Income
$145,282
Avg Property Value
$307,235

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
NY

Top Metro Areas by Place Specialization Score

1© Andrey Volk · CC BY-SA 4.0
Utica, NYMetro
Volume 149Mix 87.65% of portfolio
97/100
Exceptional

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 170Mix 100.00% of portfolio
73/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Adirondack Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.