What loan types does Unitus Community Credit Union offer?

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

Where does Unitus Community Credit Union offer mortgages?

Unitus Community Credit Union offers mortgages in 4 states: AZ, CA, OR, WA.

How competitive are Unitus Community Credit Union's mortgage rates?

Unitus Community Credit Union has an overall pricing score of 30.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Unitus Community Credit Union?

Unitus Community Credit Union is a Credit Union headquartered in Portland, OR.

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Unitus Community Credit Union

Credit Union•Portland, ORHQ•Direct•Reviews near you on Google

Unitus Community Credit Union has 140 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

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Unitus Community Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+20.7 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

134 loans · 0.22% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

108 loans · 0.20% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

32 loans · 0.23% above market

Sound

Top 60% of lenders

3/5

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	Acceptable	Sound	Acceptable	Acceptable	134	95.7%	+0.219%Above	$2,306Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume134

Mix95.7%

Spread

+0.219%Above

Fees

$2,306Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	108	77.1%	+0.201%Above	$2,414Fees
Refinance	Sound	Sound	Sound	Sound	32	22.9%	+0.229%Above	$1,972Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume108

Mix77.1%

Spread

+0.201%Above

Fees

$2,414Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume32

Mix22.9%

Spread

+0.229%Above

Fees

$1,972Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

140

Applications

216

Volume

$54 million

Pricing & Closing

Avg Rate Spread

+0.207%

vs. market APOR

Avg Net Fees

$2,311

Origination − Credits

Pullthrough Rate

64.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$387,429

Avg Borrower Income

$154,664

Avg Property Value

$612,429

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

< 2020+None

West4

AZCAORWA

Top Metro Areas by Place Specialization Score

Portland, OR-WAMetro

Volume 100Mix 71.43% of portfolio

74/100

Strong

Salem, ORMetro

Volume 18Mix 12.86% of portfolio

57/100

Sound

Top States by Place Specialization Score

OregonState

Volume 111Mix 79.29% of portfolio

74/100

Strong

WashingtonState

Volume 22Mix 15.71% of portfolio

52/100

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.