What loan types does Town & Country Federal Credit Union offer?

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

Where does Town & Country Federal Credit Union offer mortgages?

Town & Country Federal Credit Union offers mortgages in 1 states: ME.

How competitive are Town & Country Federal Credit Union's mortgage rates?

Town & Country Federal Credit Union has an overall pricing score of 92.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Town & Country Federal Credit Union?

Town & Country Federal Credit Union is a Credit Union headquartered in Scarborough, ME.

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Town & Country Federal Credit Union

Credit Union•Scarborough, MEHQ•Direct•Reviews near you on Google

Town & Country Federal Credit Union has 153 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

Exceptional

5/5

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

Offers rates 5.20 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Town & Country Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 5.2 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

151 loans · 0.05% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

97 loans · 0.05% below market

Sound

Top 60% of lenders

3/5

Refinance

56 loans · 0.06% 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	Strong	151	98.7%	-0.053%Below	$468Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume151

Mix98.7%

Spread

-0.053%Below

Fees

$468Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	97	63.4%	-0.049%Below	$492Fees
Refinance	Strong	Sound	Exceptional	Strong	56	36.6%	-0.056%Below	$438Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume97

Mix63.4%

Spread

-0.049%Below

Fees

$492Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume56

Mix36.6%

Spread

-0.056%Below

Fees

$438Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

153

Applications

191

Volume

$47 million

Pricing & Closing

Avg Rate Spread

-0.052%

vs. market APOR

Avg Net Fees

$473

Origination − Credits

Pullthrough Rate

80.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$307,876

Avg Borrower Income

$146,438

Avg Property Value

$508,072

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Portland, MEMetro

Volume 129Mix 84.31% of portfolio

86/100

Exceptional

Top States by Place Specialization Score

MaineState

Volume 153Mix 100.00% of portfolio

79/100

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.