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Community Bank

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

We analyzed every closed loan from Community Bank — 2.4k loans across 3k applications— and benchmarked them against peer lenders 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
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · VA · Jumbo
Place
Strong
4/5
Regional · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

Community Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+76.9 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,347 loans · 0.77% above market
Exceptional
Top 20% of lenders
5/5
VA
11 loans · 0.19% below market
Sound
Top 60% of lenders
3/5
Jumbo
10 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
2,112 loans · 0.76% above market
Exceptional
Top 20% of lenders
5/5
Refinance
261 loans · 0.85% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 15 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume2,347
Mix98.9%
Spread
+0.773%Above
Fees
$376Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume11
Mix0.5%
Spread
-0.188%Below
Fees
$127Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume10
Mix0.4%
Spread
+0.210%Above
Fees
$533Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume2,112
Mix89.0%
Spread
+0.757%Above
Fees
$415Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume261
Mix11.0%
Spread
+0.854%Above
Fees
$75Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
2,373
Applications
3,166
Volume
$462 million
Pricing & Closing
Avg Rate Spread
+0.769%
vs. market APOR
Avg Net Fees
$375
Origination − Credits
Pullthrough Rate
75.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$195,093
Avg Borrower Income
$109,922
Avg Property Value
$246,879

Geographic Coverage

Geographic Performance

Metro Areas
14
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
< 2020–100100–200200+None
Northeast5
MANHNYPAVT

Top Metro Areas by Place Specialization Score

1© Andrey Volk · CC BY-SA 4.0
Utica, NYMetro
Volume 125Mix 5.27% of portfolio
87/100
Exceptional
2© David Chesek · Public domain
Scranton, PAMetro
Volume 186Mix 7.84% of portfolio
87/100
Exceptional
3© Stilfehler · CC BY-SA 3.0
Syracuse, NYMetro
Volume 174Mix 7.33% of portfolio
77/100
Strong
4© Kenneth C. Zirkel · CC BY 4.0
Elmira, NYMetro
Volume 43Mix 1.81% of portfolio
75/100
Strong
5© Wiley.andrew.r · CC BY 4.0
Watertown, NYMetro
Volume 48Mix 2.02% of portfolio
74/100
Strong
6© Quintin Soloviev · CC BY 4.0
Buffalo, NYMetro
Volume 134Mix 5.65% of portfolio
71/100
Strong
7© Vmanjr · CC BY-SA 3.0
Binghamton, NYMetro
Volume 62Mix 2.61% of portfolio
71/100
Strong
8© Theresa Marconi · CC BY-SA 3.0
Rochester, NYMetro
Volume 169Mix 7.12% of portfolio
71/100
Strong
9© Khtexg98537 at English Wikipedia · CC BY-SA 3.0
Albany, NYMetro
Volume 76Mix 3.20% of portfolio
62/100
Strong
10© Boston Public Library · CC BY 2.0
Burlington, VTMetro
Volume 40Mix 1.69% of portfolio
60/100
Sound
Showing 10 of 14 metro areas

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 1,928Mix 81.25% of portfolio
93/100
Exceptional
Vermont
Vermont
2
VermontState
Volume 147Mix 6.19% of portfolio
75/100
Strong
Pennsylvania
Pennsylvania
3
PennsylvaniaState
Volume 279Mix 11.76% of portfolio
72/100
Strong
Massachusetts
Massachusetts
4
MassachusettsState
Volume 18Mix 0.76% of portfolio
43/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.