# Bank of Richmondville

> **Canonical URL:** https://saferate.com/lenders/bank-of-richmondville

> **📋 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

Bank of Richmondville is a bank, headquartered in Cobleskill, NY, with 21 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300SPVF3S3T0BYL87
- **Headquarters:** Cobleskill, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 21
- **Dollar Volume:** $4 million
- **Applications Received:** 24
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $198,333
- **Average Borrower Income:** $121,571

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 20/100 | 21 | -0.682% | $200 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 18 | $4M | -0.735% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 21 | 0.02% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Albany | NY | 17 | 56/100 |

## Frequently Asked Questions

### What loan types does Bank of Richmondville offer?

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

### Where does Bank of Richmondville offer mortgages?

Bank of Richmondville offers mortgages in 1 states: NY.

### What type of lender is Bank of Richmondville?

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

### What is Bank of Richmondville's loan approval success rate?

Bank of Richmondville has a pull-through score of 41/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/bank-of-richmondville

### How to Cite

> "Bank of Richmondville Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bank-of-richmondville

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