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SARATOGA NATIONAL BANK AND TRUST COMPANY
Bank|SARATOGA SPRINGS, NY|Single State
Loans Originated
222
Applications
293
Volume
$101 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
-0.106%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$854
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 10.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
Report Card
SARATOGA NATIONAL BANK AND TRUST COMPANY performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Single State · 2 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$456,036
Average Borrower Income
$249,689
Average Property Value
$626,577
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Sound | 197 | 88.7% | -0.096% | $820 |
Jumbo Loans | Strong | Strong | N/A | Strong | 25 | 11.3% | -0.201% | $1,160 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Sound | 207 | 93.2% | -0.107% | $850 |
Refinance | Sound | Acceptable | N/A | Strong | 15 | 6.8% | -0.102% | $915 |
Geographic Coverage
Metro Areas
2
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
NY
Top Metro Areas by Place Specialization Score
1
Albany, NYMSA
Volume: 198Mix: 89.19%
Place Specialization
Strong
2
Glens Falls, NY, NYMSA
Volume: 16Mix: 7.21%
Place Specialization
Sound
Top States by Place Specialization Score
1
NYState
Volume: 222Mix: 100.00%
Place Specialization
Strong
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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