What loan types does Orion Federal Credit Union offer?

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

Where does Orion Federal Credit Union offer mortgages?

Orion Federal Credit Union offers mortgages in 6 states: AL, AR, MS, OK, TN, VA.

How competitive are Orion Federal Credit Union's mortgage rates?

Orion Federal Credit Union has an overall pricing score of 95.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Orion Federal Credit Union?

Orion Federal Credit Union is a Credit Union headquartered in Memphis, TN.

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Orion Federal Credit Union

Credit Union•Memphis, TNHQ•Direct•Reviews near you on Google

Orion Federal Credit Union has 197 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

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 12.60 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Orion Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 12.6 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

149 loans · 0.14% below market

Sound

Top 60% of lenders

3/5

FHA

45 loans · 0.10% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

165 loans · 0.13% below market

Sound

Top 60% of lenders

3/5

Refinance

32 loans · 0.13% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 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	Strong	Sound	Exceptional	Sound	149	75.6%	-0.137%Below	$527Fees
FHA Loans	Strong	Strong	Exceptional	Strong	45	22.8%	-0.103%Below	$334Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume149

Mix75.6%

Spread

-0.137%Below

Fees

$527Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume45

Mix22.8%

Spread

-0.103%Below

Fees

$334Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	165	83.8%	-0.125%Below	$513Fees
Refinance	Strong	Sound	Exceptional	Sound	32	16.2%	-0.130%Below	$266Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume165

Mix83.8%

Spread

-0.125%Below

Fees

$513Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume32

Mix16.2%

Spread

-0.130%Below

Fees

$266Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

197

Applications

274

Volume

$61 million

Pricing & Closing

Avg Rate Spread

-0.126%

vs. market APOR

Avg Net Fees

$475

Origination − Credits

Pullthrough Rate

71.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$313,629

Avg Borrower Income

$164,675

Avg Property Value

$396,015

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

< 2020+None

South6

ALARMSOKTNVA

Top Metro Areas by Place Specialization Score

Memphis, TNMetro

Volume 156Mix 79.19% of portfolio

80/100

Exceptional

Jackson, TNMetro

Volume 16Mix 8.12% of portfolio

53/100

Sound

Top States by Place Specialization Score

TennesseeState

Volume 169Mix 85.79% of portfolio

75/100

Strong

MississippiState

Volume 16Mix 8.12% of portfolio

49/100

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.