What loan types does Adirondack Bank offer?

Adirondack Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Adirondack Bank offer mortgages?

Adirondack Bank offers mortgages in 1 states: NY.

How competitive are Adirondack Bank's mortgage rates?

Adirondack Bank has an overall pricing score of 58.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Adirondack Bank?

Adirondack Bank is a Bank headquartered in Utica, NY.

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Adirondack Bank

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Adirondack Bank has 170 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

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Adirondack Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+20.1 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

167 loans · 0.20% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

146 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

Refinance

24 loans · 0.36% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Strong	167	98.2%	+0.196%Above	$1,068Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume167

Mix98.2%

Spread

+0.196%Above

Fees

$1,068Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	146	85.9%	+0.172%Above	$1,189Fees
Refinance	Sound	Sound	Acceptable	Strong	24	14.1%	+0.363%Above	$378Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume146

Mix85.9%

Spread

+0.172%Above

Fees

$1,189Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume24

Mix14.1%

Spread

+0.363%Above

Fees

$378Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

170

Applications

237

Volume

$37 million

Pricing & Closing

Avg Rate Spread

+0.201%

vs. market APOR

Avg Net Fees

$1,065

Origination − Credits

Pullthrough Rate

71.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$219,471

Avg Borrower Income

$145,282

Avg Property Value

$307,235

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Utica, NYMetro

Volume 149Mix 87.65% of portfolio

97/100

Exceptional

Top States by Place Specialization Score

New YorkState

Volume 170Mix 100.00% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.