What loan types does POINT BREEZE Credit Union offer?

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

Where does POINT BREEZE Credit Union offer mortgages?

POINT BREEZE Credit Union offers mortgages in 3 states: DE, MD, PA.

How competitive are POINT BREEZE Credit Union's mortgage rates?

POINT BREEZE Credit Union has an overall pricing score of 99.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is POINT BREEZE Credit Union?

POINT BREEZE Credit Union is a Credit Union headquartered in Hunt Valley, MD.

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POINT BREEZE Credit Union

Credit Union•Hunt Valley, MDHQ•Direct•Reviews near you on Google

POINT BREEZE Credit Union has 80 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

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 53.80 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

POINT BREEZE Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 53.8 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

76 loans · 0.53% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

54 loans · 0.47% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

26 loans · 0.70% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Acceptable	Exceptional	Sound	76	95.0%	-0.526%Below	$200Credit

Conventional

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume76

Mix95.0%

Spread

-0.526%Below

Fees

$200Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Sound	54	67.5%	-0.469%Below	$290Credit
Refinance	Strong	Acceptable	Exceptional	Strong	26	32.5%	-0.699%Below	$55Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume54

Mix67.5%

Spread

-0.469%Below

Fees

$290Credit

Refinance

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Strong

Volume26

Mix32.5%

Spread

-0.699%Below

Fees

$55Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$29 million

Pricing & Closing

Avg Rate Spread

-0.538%

vs. market APOR

Avg Net Fees

$-187

Origination − Credits

Pullthrough Rate

90.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$372,750

Avg Borrower Income

$187,425

Avg Property Value

$540,000

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

3Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

South2

DEMD

Top Metro Areas by Place Specialization Score

Baltimore, MDMetro

Volume 62Mix 77.50% of portfolio

69/100

Strong

Top States by Place Specialization Score

MarylandState

Volume 72Mix 90.00% of portfolio

67/100

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.