What loan types does Cardinal Credit Union offer?

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

Where does Cardinal Credit Union offer mortgages?

Cardinal Credit Union offers mortgages in 1 states: OH.

How competitive are Cardinal Credit Union's mortgage rates?

Cardinal Credit Union has an overall pricing score of 27.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Cardinal Credit Union?

Cardinal Credit Union is a Credit Union headquartered in Mentor, OH.

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Cardinal Credit Union

Credit Union•Mentor, OHHQ•Direct•Reviews near you on Google

Cardinal Credit Union has 38 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

Acceptable

2/5

vs. all lenders

Pull-through

Mediocre

1/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 67 basis points above market average
Pull through efficiency is below industry average

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Report Card

Cardinal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+66.6 bps above market avg

2/5

Pull Through

Closing strength

Mediocre

Bottom 20% of lenders

1/5

By Loan Product· Specialization by type

Conventional

37 loans · 0.64% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

22 loans · 0.69% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

16 loans · 0.63% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 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	Mediocre	Acceptable	Acceptable	Mediocre	37	97.4%	+0.643%Above	$1,804Fees

Conventional

Overall

Mediocre

Product

Acceptable

Pricing

Acceptable

Pull Through

Mediocre

Volume37

Mix97.4%

Spread

+0.643%Above

Fees

$1,804Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Acceptable	Acceptable	Mediocre	22	57.9%	+0.690%Above	$1,810Fees
Refinance	Acceptable	Acceptable	—	Sound	16	42.1%	+0.631%Above	$1,857Fees

Purchase

Overall

Mediocre

Product

Acceptable

Pricing

Acceptable

Pull Through

Mediocre

Volume22

Mix57.9%

Spread

+0.690%Above

Fees

$1,810Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume16

Mix42.1%

Spread

+0.631%Above

Fees

$1,857Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

155

Volume

$7 million

Pricing & Closing

Avg Rate Spread

+0.666%

vs. market APOR

Avg Net Fees

$1,829

Origination − Credits

Pullthrough Rate

24.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$191,842

Avg Borrower Income

$117,237

Avg Property Value

$359,474

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

1Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

Top Metro Areas by Place Specialization Score

Cleveland, OHMetro

Volume 34Mix 89.47% of portfolio

65/100

Strong

Top States by Place Specialization Score

OhioState

Volume 38Mix 100.00% of portfolio

60/100

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(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.