# SHARON & CRESCENT UNITED Credit Union

> **Canonical URL:** https://saferate.com/lenders/sharon-crescent-united-credit-union


> **📋 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


SHARON & CRESCENT UNITED Credit Union is a credit union, headquartered in Sharon, MA, serving borrowers across 2 states, with 68 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 65% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300E2EE7WCBVR5I65
- **Headquarters:** Sharon, MA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MA, RI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.129%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-119
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 68
- **Dollar Volume:** $37 million
- **Applications Received:** 104
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $545,000
- **Average Borrower Income:** $234,529
- **Average Property Value:** $941,912

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 60 | -0.102% | $-115 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 35 loans, Score: 24/100 (Acceptable)
- Refinance: 25 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 39 | $25M | -0.230% | Acceptable 🙂 |
| Refinance | 40/100 | 29 | $12M | +0.012% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 67 | 0.11% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Boston, MA | MA | 36 | 64/100 |
| Cambridge | MA | 13 | 50/100 |
| Providence | RI-MA | 13 | 50/100 |

## Where This Lender Ranks

SHARON & CRESCENT UNITED Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Boston, MA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Boston, MA Credit Unions
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does SHARON & CRESCENT UNITED Credit Union offer?

SHARON & CRESCENT UNITED Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SHARON & CRESCENT UNITED Credit Union offer mortgages?

SHARON & CRESCENT UNITED Credit Union offers mortgages in 2 states: MA, RI.

### How competitive are SHARON & CRESCENT UNITED Credit Union's mortgage rates?

SHARON & CRESCENT UNITED Credit Union has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.129% below market average.

### What type of lender is SHARON & CRESCENT UNITED Credit Union?

SHARON & CRESCENT UNITED Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Sharon, MA.

### What is SHARON & CRESCENT UNITED Credit Union's loan approval success rate?

SHARON & CRESCENT UNITED Credit Union has a pull-through score of 35/100 (Acceptable). 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/sharon-crescent-united-credit-union

### How to Cite

> "SHARON & CRESCENT UNITED Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sharon-crescent-united-credit-union

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