What loan types does Sharepoint Credit Union offer?

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

Where does Sharepoint Credit Union offer mortgages?

Sharepoint Credit Union offers mortgages in 2 states: MN, WI.

How competitive are Sharepoint Credit Union's mortgage rates?

Sharepoint Credit Union has an overall pricing score of 75.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Sharepoint Credit Union?

Sharepoint Credit Union is a Credit Union headquartered in Bloomington, MN.

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Sharepoint Credit Union

Credit Union•Bloomington, MNHQ•Direct•Reviews near you on Google

Sharepoint Credit Union has 29 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

Mediocre

1/5

Conventional

Place

Sound

3/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Sharepoint Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+36.3 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

29 loans · 0.36% above market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Purchase

14 loans · 0.16% above market

Mediocre

Bottom 20% of lenders

1/5

Refinance

15 loans · 0.62% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 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	Sound	Mediocre	Strong	Sound	29	100.0%	+0.363%Above	$708Fees

Conventional

Overall

Sound

Product

Mediocre

Pricing

Strong

Pull Through

Sound

Volume29

Mix100.0%

Spread

+0.363%Above

Fees

$708Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	—	14	48.3%	+0.158%Above	$878Fees
Refinance	Acceptable	Acceptable	—	—	15	51.7%	+0.619%Above	$495Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through—

Volume14

Mix48.3%

Spread

+0.158%Above

Fees

$878Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume15

Mix51.7%

Spread

+0.619%Above

Fees

$495Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$6 million

Pricing & Closing

Avg Rate Spread

+0.363%

vs. market APOR

Avg Net Fees

$708

Origination − Credits

Pullthrough Rate

78.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$225,000

Avg Borrower Income

$141,379

Avg Property Value

$419,828

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 2020+None

Midwest2

MNWI

Top Metro Areas by Place Specialization Score

Minneapolis, MN-WIMetro

Volume 27Mix 93.10% of portfolio

59/100

Sound

Top States by Place Specialization Score

MinnesotaState

Volume 28Mix 96.55% of portfolio

59/100

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.