What loan types does Belco Community Credit Union offer?

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

Where does Belco Community Credit Union offer mortgages?

Belco Community Credit Union offers mortgages in 2 states: FL, PA.

How competitive are Belco Community Credit Union's mortgage rates?

Belco Community Credit Union has an overall pricing score of 20.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Belco Community Credit Union?

Belco Community Credit Union is a Credit Union headquartered in Harrisburg, PA.

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Belco Community Credit Union

Credit Union•Harrisburg, PAHQ•Direct•Reviews near you on Google

Belco Community Credit Union has 41 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

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Summary

Things to Think About

Rates typically 51 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Belco Community Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+50.5 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

Mediocre

Bottom 20% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Acceptable	41	100.0%	+0.505%Above	$1,216Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume41

Mix100.0%

Spread

+0.505%Above

Fees

$1,216Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	12	29.3%	+0.718%Above	$3,571Fees
Refinance	Sound	Sound	Acceptable	Sound	29	70.7%	+0.426%Above	$343Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume12

Mix29.3%

Spread

+0.718%Above

Fees

$3,571Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume29

Mix70.7%

Spread

+0.426%Above

Fees

$343Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$4 million

Pricing & Closing

Avg Rate Spread

+0.505%

vs. market APOR

Avg Net Fees

$1,216

Origination − Credits

Pullthrough Rate

52.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$120,122

Avg Borrower Income

$84,878

Avg Property Value

$283,293

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast1

South1

Top Metro Areas by Place Specialization Score

Harrisburg, PAMetro

Volume 16Mix 39.02% of portfolio

59/100

Sound

Lancaster, PAMetro

Volume 13Mix 31.71% of portfolio

57/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 40Mix 97.56% of portfolio

62/100

Strong

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.