What loan types does Evergreen Credit Union offer?

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

Where does Evergreen Credit Union offer mortgages?

Evergreen Credit Union offers mortgages in 1 states: ME.

How competitive are Evergreen Credit Union's mortgage rates?

Evergreen Credit Union has an overall pricing score of 36.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Evergreen Credit Union?

Evergreen Credit Union is a Credit Union headquartered in Portland, ME.

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Evergreen Credit Union

Credit Union•Portland, MEHQ•Direct•Reviews near you on Google

Evergreen Credit Union has 59 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

Acceptable

2/5

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

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

Explore another lender or local market

Report Card

Evergreen Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+12.9 bps above market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

59 loans · 0.13% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

29 loans · 0.26% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

30 loans · 0.04% below market

Sound

Top 60% of lenders

3/5

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	Acceptable	Acceptable	Acceptable	Acceptable	59	100.0%	+0.129%Above	$1,735Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume59

Mix100.0%

Spread

+0.129%Above

Fees

$1,735Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	29	49.2%	+0.263%Above	$2,154Fees
Refinance	Sound	Sound	Sound	Sound	30	50.8%	-0.037%Below	$1,221Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume29

Mix49.2%

Spread

+0.263%Above

Fees

$2,154Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume30

Mix50.8%

Spread

-0.037%Below

Fees

$1,221Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

110

Volume

$14 million

Pricing & Closing

Avg Rate Spread

+0.129%

vs. market APOR

Avg Net Fees

$1,735

Origination − Credits

Pullthrough Rate

53.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$249,407

Avg Borrower Income

$112,881

Avg Property Value

$468,390

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

< 5050+None

Northeast1

Top Metro Areas by Place Specialization Score

Portland, MEMetro

Volume 51Mix 86.44% of portfolio

74/100

Strong

Top States by Place Specialization Score

MaineState

Volume 59Mix 100.00% of portfolio

69/100

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.