What loan types does NORWICH COMMERCIAL GROUP, INC. offer?

NORWICH COMMERCIAL GROUP, INC. offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does NORWICH COMMERCIAL GROUP, INC. offer mortgages?

NORWICH COMMERCIAL GROUP, INC. offers mortgages in 38 states: AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MS, NC, NH, NJ, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV.

How competitive are NORWICH COMMERCIAL GROUP, INC.'s mortgage rates?

NORWICH COMMERCIAL GROUP, INC. has an overall pricing score of 42.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is NORWICH COMMERCIAL GROUP, INC.?

NORWICH COMMERCIAL GROUP, INC. is a Independent Mortgage Company headquartered in AVON, CT.

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NORWICH COMMERCIAL GROUP, INC.

Independent Mortgage Company|AVON, CT|Near-National

Loans Originated

2,369

Applications

3,665

Volume

$1 billion

Offers loans directly to consumersSources loans from independent brokers

Overall Pricing

Sound

Overall Pull Through

Strong

Safe Rate Awards⭐VA Superstar

Pricing and Pullthrough Overview

Average Rate Spread

+0.304%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$2,375

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

64.6%

Percentage of applications that result in closed loans

Safe Rate's Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans
Nationwide availability with consistent service

Report Card

NORWICH COMMERCIAL GROUP, INC. performance at a glance

Category	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	Strong	Highly Competitive
FHA	Strong	Highly Competitive
VA	Strong	Highly Competitive
USDA	Exceptional	Market Leader
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Strong	Highly Competitive
Refinance	Strong	Highly Competitive
Places Geographic coverage	Sound	Near-National · 34 metro areas · 38 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$430,597

Average Borrower Income

$159,994

Average Property Value

$534,181

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	1,594	67.3%	+0.359%	$2,503
FHA Loans	Sound	Strong	Sound	Sound	557	23.5%	+0.455%	$2,546
VA Loans	Strong	Strong	Strong	Sound	174	7.3%	-0.548%	$1,029
USDA Loans	Strong	Exceptional	N/A	Sound	42	1.8%	-0.105%	$1,423

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Sound	Sound	2,141	90.4%	+0.336%	$2,444
Refinance	Sound	Strong	Acceptable	Sound	228	9.6%	+0.031%	$1,797

Geographic Coverage

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALAZCACOCTDCDEFLGAIDILINKYLAMAMDMEMIMSNCNHNJNYOHOKORPARISCTNTXUTVAVTWAWIWV

Top Metro Areas by Place Specialization Score

Kiryas Joel, NYMSA

Volume: 169Mix: 7.13%

Place Specialization

Exceptional

New York, NY-NJMSA

Volume: 376Mix: 15.87%

Place Specialization

Strong

Hartford, CTMSA

Volume: 170Mix: 7.18%

Place Specialization

Strong

Waterbury, CTMSA

Volume: 66Mix: 2.79%

Place Specialization

Strong

Lakewood, NJMSA

Volume: 109Mix: 4.60%

Place Specialization

Strong

Newark, NJ, NJMSA

Volume: 93Mix: 3.93%

Place Specialization

Strong

Nassau County, NYMSA

Volume: 126Mix: 5.32%

Place Specialization

Strong

New Haven, CT, CTMSA

Volume: 52Mix: 2.20%

Place Specialization

Strong

Fresno, CA, CAMSA

Volume: 64Mix: 2.70%

Place Specialization

Strong

Springfield, MA, MAMSA

Volume: 46Mix: 1.94%

Place Specialization

Strong

Showing 10 of 33 metro areas

Top States by Place Specialization Score

NYState

Volume: 705Mix: 29.76%

Place Specialization

Exceptional

CTState

Volume: 374Mix: 15.79%

Place Specialization

Strong

NJState

Volume: 238Mix: 10.05%

Place Specialization

Strong

MAState

Volume: 171Mix: 7.22%

Place Specialization

Strong

CAState

Volume: 136Mix: 5.74%

Place Specialization

Sound

PAState

Volume: 79Mix: 3.33%

Place Specialization

Sound

AZState

Volume: 66Mix: 2.79%

Place Specialization

Sound

FLState

Volume: 112Mix: 4.73%

Place Specialization

Sound

MEState

Volume: 35Mix: 1.48%

Place Specialization

Sound

MDState

Volume: 49Mix: 2.07%

Place Specialization

Sound

Showing 10 of 22 states

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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