What loan types does Bowater Employees Credit Union offer?

Bowater Employees Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Bowater Employees Credit Union offer mortgages?

Bowater Employees Credit Union offers mortgages in 1 states: TN.

How competitive are Bowater Employees Credit Union's mortgage rates?

Bowater Employees Credit Union has an overall pricing score of 17.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bowater Employees Credit Union?

Bowater Employees Credit Union is a Credit Union headquartered in CALHOUN, TN.

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Bowater Employees Credit Union

Credit Union•Calhoun, TNHQ•Wholesale•Reviews near you on Google

Bowater Employees Credit Union has 32 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

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Bowater Employees Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+35.6 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

32 loans · 0.36% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

18 loans · 0.48% above market

Mediocre

Bottom 20% of lenders

1/5

Refinance

14 loans · 0.19% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Sound	32	100.0%	+0.356%Above	$3,162Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume32

Mix100.0%

Spread

+0.356%Above

Fees

$3,162Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Mediocre	—	Acceptable	18	56.3%	+0.482%Above	$2,921Fees
Refinance	Acceptable	Acceptable	—	Acceptable	14	43.8%	+0.193%Above	$3,472Fees

Purchase

Overall

Acceptable

Product

Mediocre

Pricing—

Pull Through

Acceptable

Volume18

Mix56.3%

Spread

+0.482%Above

Fees

$2,921Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume14

Mix43.8%

Spread

+0.193%Above

Fees

$3,472Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$6 million

Pricing & Closing

Avg Rate Spread

+0.356%

vs. market APOR

Avg Net Fees

$3,162

Origination − Credits

Pullthrough Rate

66.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$195,938

Avg Borrower Income

$81,594

Avg Property Value

$320,312

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Cleveland, TNMetro

Volume 12Mix 37.50% of portfolio

59/100

Sound

Top States by Place Specialization Score

TennesseeState

Volume 32Mix 100.00% of portfolio

60/100

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.