What loan types does METRO Credit Union offer?

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

Where does METRO Credit Union offer mortgages?

METRO Credit Union offers mortgages in 2 states: MA, NH.

How competitive are METRO Credit Union's mortgage rates?

METRO Credit Union has an overall pricing score of 80.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is METRO Credit Union?

METRO Credit Union is a Credit Union headquartered in Chelsea, MA.

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METRO Credit Union

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

METRO Credit Union has 147 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

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 10.70 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

METRO Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 10.7 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

128 loans · 0.10% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

13 loans · 0.23% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

122 loans · 0.07% below market

Sound

Top 60% of lenders

3/5

Refinance

25 loans · 0.28% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Acceptable	128	87.1%	-0.104%Below	$1,066Fees
Jumbo Loans	Sound	Strong	—	Sound	13	8.8%	-0.227%Below	$1,235Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume128

Mix87.1%

Spread

-0.104%Below

Fees

$1,066Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume13

Mix8.8%

Spread

-0.227%Below

Fees

$1,235Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Acceptable	122	83.0%	-0.068%Below	$1,101Fees
Refinance	Sound	Acceptable	Exceptional	Sound	25	17.0%	-0.277%Below	$996Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume122

Mix83.0%

Spread

-0.068%Below

Fees

$1,101Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume25

Mix17.0%

Spread

-0.277%Below

Fees

$996Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

147

Applications

219

Volume

$74 million

Pricing & Closing

Avg Rate Spread

-0.107%

vs. market APOR

Avg Net Fees

$1,081

Origination − Credits

Pullthrough Rate

67.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$505,884

Avg Borrower Income

$181,918

Avg Property Value

$730,034

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

< 100100+None

Northeast2

MANH

Top Metro Areas by Place Specialization Score

Cambridge, MAMetro

Volume 80Mix 54.42% of portfolio

72/100

Strong

Boston, MAMetro

Volume 36Mix 24.49% of portfolio

62/100

Strong

Worcester, MAMetro

Volume 14Mix 9.52% of portfolio

51/100

Sound

Top States by Place Specialization Score

MassachusettsState

Volume 140Mix 95.24% 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.