What loan types does Saratoga National Bank and Trust Company offer?

Saratoga National Bank and Trust Company offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Saratoga National Bank and Trust Company offer mortgages?

Saratoga National Bank and Trust Company offers mortgages in 1 states: NY.

How competitive are Saratoga National Bank and Trust Company's mortgage rates?

Saratoga National Bank and Trust Company has an overall pricing score of 71.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Saratoga National Bank and Trust Company?

Saratoga National Bank and Trust Company is a Bank headquartered in SARATOGA SPRINGS, NY.

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Saratoga National Bank and Trust Company

Bank•Saratoga Springs, NYHQ•Direct•Reviews near you on Google

Saratoga National Bank and Trust Company has 222 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 2 mkts

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 10.60 basis points below market average
Lower than average lender fees
Strong pull through performance

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Report Card

Saratoga National Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 10.6 bps below market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Sound	197	88.7%	-0.096%Below	$820Fees
Jumbo Loans	Strong	Strong	—	Strong	25	11.3%	-0.201%Below	$1,160Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume197

Mix88.7%

Spread

-0.096%Below

Fees

$820Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume25

Mix11.3%

Spread

-0.201%Below

Fees

$1,160Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Sound	207	93.2%	-0.107%Below	$850Fees
Refinance	Sound	Acceptable	—	Strong	15	6.8%	-0.102%Below	$915Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume207

Mix93.2%

Spread

-0.107%Below

Fees

$850Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume15

Mix6.8%

Spread

-0.102%Below

Fees

$915Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

222

Applications

293

Volume

$101 million

Pricing & Closing

Avg Rate Spread

-0.106%

vs. market APOR

Avg Net Fees

$854

Origination − Credits

Pullthrough Rate

75.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$456,036

Avg Borrower Income

$249,689

Avg Property Value

$626,577

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast1

Top Metro Areas by Place Specialization Score

Albany, NYMetro

Volume 198Mix 89.19% of portfolio

80/100

Strong

Glens Falls, NYMetro

Volume 16Mix 7.21% of portfolio

54/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 222Mix 100.00% of portfolio

76/100

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.

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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.