What loan types does Utica Gas & Electric Emp Credit Union offer?

Utica Gas & Electric Emp Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Utica Gas & Electric Emp Credit Union offer mortgages?

Utica Gas & Electric Emp Credit Union offers mortgages in 1 states: NY.

How competitive are Utica Gas & Electric Emp Credit Union's mortgage rates?

Utica Gas & Electric Emp Credit Union has an overall pricing score of 91.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Utica Gas & Electric Emp Credit Union?

Utica Gas & Electric Emp Credit Union is a Credit Union headquartered in New Hartford, NY.

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Utica Gas & Electric Emp Credit Union

Credit Union•New Hartford, NYHQ•Direct•Reviews near you on Google

Utica Gas & Electric Emp Credit Union has 34 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

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Summary

What They Do Well

Offers rates 8.50 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

Utica Gas & Electric Emp Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 8.5 bps below market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

34 loans · 0.09% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

18 loans · 0.05% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

16 loans · 0.12% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 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	Acceptable	Exceptional	Strong	34	100.0%	-0.085%Below	$0Fees

Conventional

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Strong

Volume34

Mix100.0%

Spread

-0.085%Below

Fees

$0Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	—	18	52.9%	-0.051%Below	$0Fees
Refinance	Sound	Sound	—	—	16	47.1%	-0.118%Below	$0Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume18

Mix52.9%

Spread

-0.051%Below

Fees

$0Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume16

Mix47.1%

Spread

-0.118%Below

Fees

$0Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$7 million

Pricing & Closing

Avg Rate Spread

-0.085%

vs. market APOR

Avg Net Fees

Origination − Credits

Pullthrough Rate

100.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$230,000

Avg Borrower Income

$112,824

Avg Property Value

$326,176

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

Northeast1

Top Metro Areas by Place Specialization Score

Utica, NYMetro

Volume 23Mix 67.65% of portfolio

65/100

Strong

Top States by Place Specialization Score

New YorkState

Volume 34Mix 100.00% of portfolio

60/100

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.