What loan types does CU Community offer?

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

Where does CU Community offer mortgages?

CU Community offers mortgages in 4 states: AL, GA, MS, TN.

How competitive are CU Community's mortgage rates?

CU Community has an overall pricing score of 17/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CU Community?

CU Community is a Independent Mortgage Company headquartered in OAK RIDGE, TN.

Unclaimed

CU Community

Independent Mortgage Company•Oak Ridge, TNHQ•Direct & Wholesale•Reviews near you on Google

CU Community has 42 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

Mediocre

1/5

Conventional

Place

Active

Regional

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 58 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

CU Community performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+58.2 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

39 loans · 0.60% above market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Purchase

24 loans · 0.45% above market

Mediocre

Bottom 20% of lenders

1/5

Refinance

18 loans · 0.76% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Acceptable

Bottom 40% of lenders

2/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Mediocre	Mediocre	Mediocre	Mediocre	39	92.9%	+0.604%Above	$3,305Fees

Conventional

Overall

Mediocre

Product

Mediocre

Pricing

Mediocre

Pull Through

Mediocre

Volume39

Mix92.9%

Spread

+0.604%Above

Fees

$3,305Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	Mediocre	Mediocre	24	57.1%	+0.445%Above	$3,754Fees
Refinance	Acceptable	Acceptable	—	Mediocre	18	42.9%	+0.762%Above	$2,630Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing

Mediocre

Pull Through

Mediocre

Volume24

Mix57.1%

Spread

+0.445%Above

Fees

$3,754Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume18

Mix42.9%

Spread

+0.762%Above

Fees

$2,630Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

135

Volume

$9 million

Pricing & Closing

Avg Rate Spread

+0.582%

vs. market APOR

Avg Net Fees

$3,268

Origination − Credits

Pullthrough Rate

31.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$230,000

Avg Borrower Income

$107,548

Avg Property Value

$353,810

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

All statesNone

South4

ALGAMSTN

Top States by Place Specialization Score

TennesseeState

Volume 35Mix 83.33% of portfolio

61/100

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.

Looking for a different lender?

Are you the owner of CU Community?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.