What loan types does Reliant Community Federal Credit Union offer?

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

Where does Reliant Community Federal Credit Union offer mortgages?

Reliant Community Federal Credit Union offers mortgages in 1 states: NY.

How competitive are Reliant Community Federal Credit Union's mortgage rates?

Reliant Community Federal Credit Union has an overall pricing score of 66.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Reliant Community Federal Credit Union?

Reliant Community Federal Credit Union is a Credit Union headquartered in Sodus, NY.

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Reliant Community Federal Credit Union

Credit Union•Sodus, NYHQ•Direct•Reviews near you on Google

Reliant Community Federal Credit Union has 188 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

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Reliant Community Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+31.0 bps above market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

188 loans · 0.31% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

117 loans · 0.06% below market

Sound

Top 60% of lenders

3/5

Refinance

71 loans · 0.79% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 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	Strong	Sound	Strong	Strong	188	100.0%	+0.310%Above	$699Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume188

Mix100.0%

Spread

+0.310%Above

Fees

$699Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	117	62.2%	-0.056%Below	$944Fees
Refinance	Sound	Strong	Acceptable	Exceptional	71	37.8%	+0.790%Above	$378Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume117

Mix62.2%

Spread

-0.056%Below

Fees

$944Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume71

Mix37.8%

Spread

+0.790%Above

Fees

$378Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

188

Applications

224

Volume

$29 million

Pricing & Closing

Avg Rate Spread

+0.310%

vs. market APOR

Avg Net Fees

$699

Origination − Credits

Pullthrough Rate

83.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$158,298

Avg Borrower Income

$94,463

Avg Property Value

$227,394

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

1Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Rochester, NYMetro

Volume 175Mix 93.09% of portfolio

78/100

Strong

Top States by Place Specialization Score

New YorkState

Volume 188Mix 100.00% of portfolio

74/100

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.