What loan types does CLEARWATER Federal Credit Union offer?

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

Where does CLEARWATER Federal Credit Union offer mortgages?

CLEARWATER Federal Credit Union offers mortgages in 1 states: MT.

How competitive are CLEARWATER Federal Credit Union's mortgage rates?

CLEARWATER Federal Credit Union has an overall pricing score of 50/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CLEARWATER Federal Credit Union?

CLEARWATER Federal Credit Union is a Credit Union headquartered in Missoula, MT.

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CLEARWATER Federal Credit Union

Credit Union•Missoula, MTHQ•Direct•Reviews near you on Google

CLEARWATER Federal Credit Union has 67 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

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional

Place

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

CLEARWATER Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 26.3 bps below market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

61 loans · 0.22% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

53 loans · 0.45% below market

Sound

Top 60% of lenders

3/5

Refinance

14 loans · 0.52% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 10% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Strong	61	91.0%	-0.223%Below	$2,300Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume61

Mix91.0%

Spread

-0.223%Below

Fees

$2,300Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	53	79.1%	-0.454%Below	$2,263Fees
Refinance	Sound	Sound	—	Sound	14	20.9%	+0.515%Above	$1,921Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume53

Mix79.1%

Spread

-0.454%Below

Fees

$2,263Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume14

Mix20.9%

Spread

+0.515%Above

Fees

$1,921Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

105

Volume

$26 million

Pricing & Closing

Avg Rate Spread

-0.263%

vs. market APOR

Avg Net Fees

$2,196

Origination − Credits

Pullthrough Rate

63.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$400,373

Avg Borrower Income

$158,373

Avg Property Value

$628,731

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

< 5050+None

West1

Top Metro Areas by Place Specialization Score

Missoula, MTMetro

Volume 57Mix 85.07% of portfolio

93/100

Exceptional

Top States by Place Specialization Score

MontanaState

Volume 67Mix 100.00% of portfolio

71/100

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.