# HARVARD UNIVERSITY EMPLOYEES

> **Canonical URL:** https://saferate.com/lenders/harvard-university-employees


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HARVARD UNIVERSITY EMPLOYEES is a credit union, headquartered in Cambridge, MA, serving borrowers across 6 states, with 162 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300XTSMAC5DOX6447
- **Headquarters:** Cambridge, MA
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** CT, FL, MA, ME, NH, RI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.024%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $308
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 162
- **Dollar Volume:** $91 million
- **Applications Received:** 203
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $563,086
- **Average Borrower Income:** $229,111
- **Average Property Value:** $852,963

## Safe Rate Awards 🏆

- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 145 | +0.028% | $301 | Acceptable 🙂 |
| Jumbo | 64/100 | 17 | -0.008% | $370 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 129 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 145 | $84M | +0.009% | Sound ☺️ |
| Refinance | 32/100 | 17 | $7M | +0.166% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 147 | 0.24% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 74 | 70/100 |
| Boston, MA | MA | 59 | 68/100 |

## Where This Lender Ranks

HARVARD UNIVERSITY EMPLOYEES appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Massachusetts for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Cambridge for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Boston, MA Credit Unions
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Cambridge Credit Unions
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Cambridge for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Boston, MA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Massachusetts Credit Unions
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Massachusetts for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Cambridge for Jumbo Loans
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/jumbo-loans)
- 🏆 **#17** in Massachusetts for Jumbo Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in Cambridge
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does HARVARD UNIVERSITY EMPLOYEES offer?

HARVARD UNIVERSITY EMPLOYEES offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HARVARD UNIVERSITY EMPLOYEES offer mortgages?

HARVARD UNIVERSITY EMPLOYEES offers mortgages in 6 states: CT, FL, MA, ME, NH, RI.

### How competitive are HARVARD UNIVERSITY EMPLOYEES's mortgage rates?

HARVARD UNIVERSITY EMPLOYEES has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.024% above market average.

### What type of lender is HARVARD UNIVERSITY EMPLOYEES?

HARVARD UNIVERSITY EMPLOYEES is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Cambridge, MA.

### What is HARVARD UNIVERSITY EMPLOYEES's loan approval success rate?

HARVARD UNIVERSITY EMPLOYEES has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/harvard-university-employees

### How to Cite

> "HARVARD UNIVERSITY EMPLOYEES Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/harvard-university-employees

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