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Bayer Heritage Credit Union

Credit Union•Proctor, WVHQ•Direct•Reviews near you on Google

Bayer Heritage Credit Union has 158 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Exceptional
5/5
Multi-Region · 1 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 42.20 basis points below market average
  • Lower than average lender fees

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Report Card

Bayer Heritage Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 42.2 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume158
Mix100.0%
Spread
-0.422%Below
Fees
$1,468Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume68
Mix43.0%
Spread
-0.569%Below
Fees
$1,448Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume90
Mix57.0%
Spread
-0.308%Below
Fees
$1,485Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
158
Applications
230
Volume
$23 million
Pricing & Closing
Avg Rate Spread
-0.422%
vs. market APOR
Avg Net Fees
$1,468
Origination − Credits
Pullthrough Rate
68.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$150,316
Avg Borrower Income
$97,367
Avg Property Value
$218,924

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest1
OH
South5
FLNCSCTXWV

Top Metro Areas by Place Specialization Score

1© w_lemay · CC BY-SA 2.0
Wheeling, WV, WV-OHMetro
Volume 73Mix 46.20% of portfolio
91/100
Exceptional

Top States by Place Specialization Score

West Virginia
West Virginia
1
West VirginiaState
Volume 101Mix 63.92% of portfolio
79/100
Strong
Ohio
Ohio
2
OhioState
Volume 41Mix 25.95% of portfolio
56/100
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.