What loan types does The State Credit Union offer?

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

Where does The State Credit Union offer mortgages?

The State Credit Union offers mortgages in 1 states: WV.

How competitive are The State Credit Union's mortgage rates?

The State Credit Union has an overall pricing score of 83.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The State Credit Union?

The State Credit Union is a Credit Union headquartered in CHARLESTON, WV.

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The State Credit Union

Credit Union•Charleston, WVHQ•Direct•Reviews near you on Google

The State Credit Union has 47 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

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

Refinance

Superstar

Summary

What They Do Well

Offers rates 28.50 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

The State Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 28.5 bps below market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

47 loans · 0.28% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Refinance

38 loans · 0.09% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 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	Sound	Exceptional	Exceptional	47	100.0%	-0.285%Below	$250Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Exceptional

Volume47

Mix100.0%

Spread

-0.285%Below

Fees

$250Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Refinance	Strong	Sound	Strong	Exceptional	38	80.9%	-0.092%Below	$250Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Exceptional

Volume38

Mix80.9%

Spread

-0.092%Below

Fees

$250Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$4 million

Pricing & Closing

Avg Rate Spread

-0.285%

vs. market APOR

Avg Net Fees

$250

Origination − Credits

Pullthrough Rate

100.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$93,085

Avg Borrower Income

$87,255

Avg Property Value

$157,128

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

South1

Top Metro Areas by Place Specialization Score

Charleston, WVMetro

Volume 30Mix 63.83% of portfolio

75/100

Strong

Top States by Place Specialization Score

West VirginiaState

Volume 47Mix 100.00% of portfolio

71/100

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.