What loan types does ASHLAND Credit Union offer?

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

Where does ASHLAND Credit Union offer mortgages?

ASHLAND Credit Union offers mortgages in 12 states: CO, FL, IN, KY, MN, MO, NC, OH, TN, VA, WV, WY.

How competitive are ASHLAND Credit Union's mortgage rates?

ASHLAND Credit Union has an overall pricing score of 40.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ASHLAND Credit Union?

ASHLAND Credit Union is a Credit Union headquartered in ASHLAND, KY.

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ASHLAND Credit Union

Credit Union•Ashland, KYHQ•Direct•Reviews near you on Google

ASHLAND Credit Union has 33 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

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Multi-Region · 1 mkts

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

ASHLAND Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+75.5 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Sound	Sound	30	90.9%	+0.749%Above	$1,229Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume30

Mix90.9%

Spread

+0.749%Above

Fees

$1,229Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Acceptable	22	66.7%	+0.615%Above	$953Fees
Refinance	Acceptable	Acceptable	—	Acceptable	11	33.3%	+0.997%Above	$1,493Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume22

Mix66.7%

Spread

+0.615%Above

Fees

$953Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume11

Mix33.3%

Spread

+0.997%Above

Fees

$1,493Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$6 million

Pricing & Closing

Avg Rate Spread

+0.755%

vs. market APOR

Avg Net Fees

$1,151

Origination − Credits

Pullthrough Rate

52.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$185,303

Avg Borrower Income

$110,121

Avg Property Value

$259,545

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

Midwest4

INMNMOOH

South6

FLKYNCTNVAWV

West2

COWY

Top Metro Areas by Place Specialization Score

HuntingtonMetro

Volume 19Mix 57.58% of portfolio

60/100

Strong

Top States by Place Specialization Score

KentuckyState

Volume 15Mix 45.45% of portfolio

52/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.