What loan types does Central One Federal Credit Union offer?

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

Where does Central One Federal Credit Union offer mortgages?

Central One Federal Credit Union offers mortgages in 7 states: CT, FL, MA, ME, NH, RI, SC.

How competitive are Central One Federal Credit Union's mortgage rates?

Central One Federal Credit Union has an overall pricing score of 92/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Central One Federal Credit Union?

Central One Federal Credit Union is a Credit Union headquartered in Shrewsbury, MA.

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Central One Federal Credit Union

Credit Union•Shrewsbury, MAHQ•Direct•Reviews near you on Google

Central One Federal Credit Union has 94 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

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Multi-Region · 1 mkts

Awards

Refinance

Superstar

Summary

What They Do Well

Offers rates 61.10 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Central One Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 61.1 bps below 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	Sound	Acceptable	Exceptional	Acceptable	90	95.7%	-0.603%Below	$848Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume90

Mix95.7%

Spread

-0.603%Below

Fees

$848Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	73	77.7%	-0.592%Below	$843Fees
Refinance	Strong	Acceptable	Exceptional	Strong	21	22.3%	-0.675%Below	$740Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume73

Mix77.7%

Spread

-0.592%Below

Fees

$843Fees

Refinance

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Strong

Volume21

Mix22.3%

Spread

-0.675%Below

Fees

$740Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

150

Volume

$35 million

Pricing & Closing

Avg Rate Spread

-0.611%

vs. market APOR

Avg Net Fees

$819

Origination − Credits

Pullthrough Rate

62.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$374,574

Avg Borrower Income

$186,766

Avg Property Value

$580,851

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

Northeast5

CTMEMANHRI

South2

FLSC

Top Metro Areas by Place Specialization Score

Worcester, MAMetro

Volume 56Mix 59.57% of portfolio

77/100

Strong

Top States by Place Specialization Score

MassachusettsState

Volume 78Mix 82.98% of portfolio

67/100

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.