What loan types does TEG Federal Credit Union offer?

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

Where does TEG Federal Credit Union offer mortgages?

TEG Federal Credit Union offers mortgages in 4 states: CT, FL, NJ, NY.

How competitive are TEG Federal Credit Union's mortgage rates?

TEG Federal Credit Union has an overall pricing score of 86.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is TEG Federal Credit Union?

TEG Federal Credit Union is a Credit Union headquartered in Poughkeepsie, NY.

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TEG Federal Credit Union

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

TEG Federal Credit Union has 143 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

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 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
Strong pull through performance

Explore another lender or local market

Report Card

TEG Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+12.6 bps above market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

143 loans · 0.13% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

138 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Exceptional	Strong	143	100.0%	+0.126%Above	$18Credit

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume143

Mix100.0%

Spread

+0.126%Above

Fees

$18Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	138	96.5%	+0.140%Above	$19Credit

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume138

Mix96.5%

Spread

+0.140%Above

Fees

$19Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

143

Applications

177

Volume

$54 million

Pricing & Closing

Avg Rate Spread

+0.126%

vs. market APOR

Avg Net Fees

$-18

Origination − Credits

Pullthrough Rate

80.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$380,175

Avg Borrower Income

$166,587

Avg Property Value

$497,378

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

4Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast3

CTNJNY

South1

Top Metro Areas by Place Specialization Score

Kiryas Joel, NYMetro

Volume 115Mix 80.42% of portfolio

86/100

Exceptional

New York, NY-NJMetro

Volume 10Mix 6.99% of portfolio

44/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 139Mix 97.20% of portfolio

72/100

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.