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Ulster Savings Bank

Bank•Kingston, NYHQ•Direct•Reviews near you on Google

Ulster Savings Bank has 250 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Exceptional
5/5
Regional · 2 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Ulster Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+15.5 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume237
Mix94.8%
Spread
+0.157%Above
Fees
$2,734Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume11
Mix4.4%
Spread
-0.568%Below
Fees
$1,500Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume227
Mix90.8%
Spread
+0.142%Above
Fees
$2,665Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume23
Mix9.2%
Spread
+0.260%Above
Fees
$3,119Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
250
Applications
289
Volume
$89 million
Pricing & Closing
Avg Rate Spread
+0.155%
vs. market APOR
Avg Net Fees
$2,715
Origination − Credits
Pullthrough Rate
86.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$358,160
Avg Borrower Income
$184,368
Avg Property Value
$515,400

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
CTNY

Top Metro Areas by Place Specialization Score

1© Alexisrael · CC BY-SA 3.0
Kingston, NYMetro
Volume 139Mix 55.60% of portfolio
100/100
Exceptional
2© Juliancolton · Public domain
Kiryas Joel, NYMetro
Volume 55Mix 22.00% of portfolio
71/100
Strong

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 249Mix 99.60% of portfolio
77/100
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.