What loan types does I-C Federal Credit Union offer?

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

Where does I-C Federal Credit Union offer mortgages?

I-C Federal Credit Union offers mortgages in 2 states: MA, NH.

How competitive are I-C Federal Credit Union's mortgage rates?

I-C Federal Credit Union has an overall pricing score of 74.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is I-C Federal Credit Union?

I-C Federal Credit Union is a Credit Union headquartered in Fitchburg, MA.

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I-C Federal Credit Union

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

I-C Federal Credit Union has 32 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

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

I-C Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+32.5 bps above market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

32 loans · 0.33% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

21 loans · 0.26% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

11 loans · 0.46% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 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	Sound	Acceptable	Strong	Acceptable	32	100.0%	+0.325%Above	$557Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume32

Mix100.0%

Spread

+0.325%Above

Fees

$557Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	21	65.6%	+0.258%Above	$123Fees
Refinance	Acceptable	Acceptable	—	Acceptable	11	34.4%	+0.457%Above	$1,424Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume21

Mix65.6%

Spread

+0.258%Above

Fees

$123Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume11

Mix34.4%

Spread

+0.457%Above

Fees

$1,424Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$8 million

Pricing & Closing

Avg Rate Spread

+0.325%

vs. market APOR

Avg Net Fees

$557

Origination − Credits

Pullthrough Rate

57.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$261,250

Avg Borrower Income

$127,562

Avg Property Value

$472,188

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

2Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast2

MANH

Top Metro Areas by Place Specialization Score

Worcester, MAMetro

Volume 27Mix 84.38% of portfolio

68/100

Strong

Top States by Place Specialization Score

MassachusettsState

Volume 31Mix 96.88% of portfolio

59/100

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.