What loan types does Harvard University Employees offer?

Harvard University Employees offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Harvard University Employees offer mortgages?

Harvard University Employees offers mortgages in 6 states: CT, FL, MA, ME, NH, RI.

How competitive are Harvard University Employees's mortgage rates?

Harvard University Employees has an overall pricing score of 89.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Harvard University Employees?

Harvard University Employees is a Credit Union headquartered in Cambridge, MA.

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Harvard University Employees

Credit Union•Cambridge, MAHQ•Direct•Reviews near you on Google

Harvard University Employees has 162 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

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Harvard University Employees performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+2.4 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

145 loans · 0.03% above market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

17 loans · 0.01% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

145 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

Refinance

17 loans · 0.17% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 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	Sound	Acceptable	Exceptional	Sound	145	89.5%	+0.028%Above	$301Fees
Jumbo Loans	Strong	Strong	—	Strong	17	10.5%	-0.008%Below	$370Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume145

Mix89.5%

Spread

+0.028%Above

Fees

$301Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume17

Mix10.5%

Spread

-0.008%Below

Fees

$370Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Sound	145	89.5%	+0.009%Above	$262Fees
Refinance	Sound	Acceptable	—	Sound	17	10.5%	+0.166%Above	$723Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume145

Mix89.5%

Spread

+0.009%Above

Fees

$262Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume17

Mix10.5%

Spread

+0.166%Above

Fees

$723Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

162

Applications

203

Volume

$91 million

Pricing & Closing

Avg Rate Spread

+0.024%

vs. market APOR

Avg Net Fees

$308

Origination − Credits

Pullthrough Rate

79.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$563,086

Avg Borrower Income

$229,111

Avg Property Value

$852,963

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

6Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast5

CTMEMANHRI

South1

Top Metro Areas by Place Specialization Score

Cambridge, MAMetro

Volume 74Mix 45.68% of portfolio

70/100

Strong

Boston, MAMetro

Volume 59Mix 36.42% of portfolio

68/100

Strong

Top States by Place Specialization Score

MassachusettsState

Volume 147Mix 90.74% of portfolio

73/100

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.