What loan types does InRoads Federal Credit Union offer?

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

Where does InRoads Federal Credit Union offer mortgages?

InRoads Federal Credit Union offers mortgages in 2 states: OR, WA.

What type of lender is InRoads Federal Credit Union?

InRoads Federal Credit Union is a Credit Union headquartered in St. Helens, OR.

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InRoads Federal Credit Union

Credit Union•St. Helens, ORHQ•Direct•Reviews near you on Google

InRoads Federal Credit Union has 20 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

Pull-through

Acceptable

2/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Sound

3/5

Regional · 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

InRoads Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

20 loans · 0.22% above market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Purchase

10 loans · 0.20% above market

Mediocre

Bottom 20% of lenders

1/5

Refinance

10 loans · 0.25% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Mediocre	—	Acceptable	20	100.0%	+0.223%Above	$3,411Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing—

Pull Through

Acceptable

Volume20

Mix100.0%

Spread

+0.223%Above

Fees

$3,411Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	—	10	50.0%	+0.196%Above	$4,160Fees
Refinance	Acceptable	Acceptable	—	—	10	50.0%	+0.250%Above	$2,663Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through—

Volume10

Mix50.0%

Spread

+0.196%Above

Fees

$4,160Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume10

Mix50.0%

Spread

+0.250%Above

Fees

$2,663Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$5 million

Pricing & Closing

Pullthrough Rate

64.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$298,500

Avg Borrower Income

$143,850

Avg Property Value

$537,500

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

West2

ORWA

Top Metro Areas by Place Specialization Score

Portland, OR-WAMetro

Volume 16Mix 80.00% of portfolio

56/100

Sound

Top States by Place Specialization Score

OregonState

Volume 17Mix 85.00% of portfolio

56/100

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.