What loan types does SHARON & CRESCENT UNITED Credit Union offer?

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

Where does SHARON & CRESCENT UNITED Credit Union offer mortgages?

SHARON & CRESCENT UNITED Credit Union offers mortgages in 2 states: MA, RI.

How competitive are SHARON & CRESCENT UNITED Credit Union's mortgage rates?

SHARON & CRESCENT UNITED Credit Union has an overall pricing score of 83.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is SHARON & CRESCENT UNITED Credit Union?

SHARON & CRESCENT UNITED Credit Union is a Credit Union headquartered in Sharon, MA.

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SHARON & CRESCENT UNITED Credit Union

Credit Union•Sharon, MAHQ•Direct•Reviews near you on Google

SHARON & CRESCENT UNITED Credit Union has 68 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

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Offers rates 12.90 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

SHARON & CRESCENT UNITED Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 12.9 bps below market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

60 loans · 0.10% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

39 loans · 0.23% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

29 loans · 0.01% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

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	Sound	Acceptable	Exceptional	Acceptable	60	88.2%	-0.102%Below	$115Credit

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume60

Mix88.2%

Spread

-0.102%Below

Fees

$115Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	39	57.4%	-0.230%Below	$187Credit
Refinance	Strong	Acceptable	Strong	Strong	29	42.6%	+0.012%Above	$23Credit

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume39

Mix57.4%

Spread

-0.230%Below

Fees

$187Credit

Refinance

Overall

Strong

Product

Acceptable

Pricing

Strong

Pull Through

Strong

Volume29

Mix42.6%

Spread

+0.012%Above

Fees

$23Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

104

Volume

$37 million

Pricing & Closing

Avg Rate Spread

-0.129%

vs. market APOR

Avg Net Fees

$-119

Origination − Credits

Pullthrough Rate

65.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$545,000

Avg Borrower Income

$234,529

Avg Property Value

$941,912

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

< 5050+None

Northeast2

MARI

Top Metro Areas by Place Specialization Score

Boston, MAMetro

Volume 36Mix 52.94% of portfolio

64/100

Strong

Providence, RI-MAMetro

Volume 13Mix 19.12% of portfolio

50/100

Sound

Cambridge, MAMetro

Volume 13Mix 19.12% of portfolio

50/100

Sound

Top States by Place Specialization Score

MassachusettsState

Volume 67Mix 98.53% of portfolio

66/100

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.