What loan types does Patriot offer?

Patriot offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Patriot offer mortgages?

Patriot offers mortgages in 3 states: MD, PA, WV.

How competitive are Patriot's mortgage rates?

Patriot has an overall pricing score of 75.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Patriot?

Patriot is a Credit Union headquartered in Chambersburg, PA.

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Patriot

Credit Union•Chambersburg, PAHQ•Direct•Reviews near you on Google

Patriot has 94 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

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Exceptional

5/5

Regional · 1 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

Patriot performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+6.1 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

86 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

64 loans · 0.07% below market

Sound

Top 60% of lenders

3/5

Refinance

30 loans · 0.35% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Exceptional

Top 5% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Strong	86	91.5%	+0.065%Above	$868Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume86

Mix91.5%

Spread

+0.065%Above

Fees

$868Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	64	68.1%	-0.074%Below	$1,163Fees
Refinance	Sound	Sound	Acceptable	Strong	30	31.9%	+0.355%Above	$222Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume64

Mix68.1%

Spread

-0.074%Below

Fees

$1,163Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume30

Mix31.9%

Spread

+0.355%Above

Fees

$222Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

129

Volume

$17 million

Pricing & Closing

Avg Rate Spread

+0.061%

vs. market APOR

Avg Net Fees

$867

Origination − Credits

Pullthrough Rate

72.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$186,809

Avg Borrower Income

$97,415

Avg Property Value

$273,191

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

South2

MDWV

Top Metro Areas by Place Specialization Score

Chambersburg, PAMetro

Volume 68Mix 72.34% of portfolio

98/100

Exceptional

Top States by Place Specialization Score

PennsylvaniaState

Volume 86Mix 91.49% of portfolio

68/100

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.