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Community Bank, National Association
Bank|Canton, NY|Regional
Loans Originated
2,373
Applications
3,166
Volume
$462 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.769%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$375
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
Community Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
VA | Sound | Industry Standard | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 15 metro areas · 5 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$195,093
Average Borrower Income
$109,922
Average Property Value
$246,879
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 2,347 | 98.9% | +0.773% | $376 |
VA Loans | Sound | Sound | N/A | N/A | 11 | 0.5% | -0.188% | $127 |
Jumbo Loans | Sound | Sound | N/A | N/A | 10 | 0.4% | +0.210% | $533 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 2,112 | 89.0% | +0.757% | $415 |
Refinance | Sound | Strong | Mediocre | Strong | 261 | 11.0% | +0.854% | $75 |
Geographic Coverage
Metro Areas
14
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
MANHNYPAVT
Top Metro Areas by Place Specialization Score
1
Utica, NYMSA
Volume: 125Mix: 5.27%
Place Specialization
Exceptional
2
Scranton, PAMSA
Volume: 186Mix: 7.84%
Place Specialization
Exceptional
3
Syracuse, NY, NYMSA
Volume: 174Mix: 7.33%
Place Specialization
Strong
4
Elmira, NY, NYMSA
Volume: 43Mix: 1.81%
Place Specialization
Strong
5
Watertown, NYMSA
Volume: 48Mix: 2.02%
Place Specialization
Strong
6
Buffalo, NYMSA
Volume: 134Mix: 5.65%
Place Specialization
Strong
7
Binghamton, NY, NYMSA
Volume: 62Mix: 2.61%
Place Specialization
Strong
8
Rochester, NY, NYMSA
Volume: 169Mix: 7.12%
Place Specialization
Strong
9
Albany, NYMSA
Volume: 76Mix: 3.20%
Place Specialization
Strong
10
Burlington, VTMSA
Volume: 40Mix: 1.69%
Place Specialization
Sound
Showing 10 of 14 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 1,928Mix: 81.25%
Place Specialization
Exceptional
2
VTState
Volume: 147Mix: 6.19%
Place Specialization
Strong
3
PAState
Volume: 279Mix: 11.76%
Place Specialization
Strong
4
MAState
Volume: 18Mix: 0.76%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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