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CU Community

Independent Mortgage CompanyOak Ridge, TNHQDirect & WholesaleReviews near you on Google

CU Community has 42 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
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Mediocre
1/5
Conventional
Place
Active
Regional

Safe Rate Summary

Things to Think About

  • Rates typically 58 basis points above market average
  • Pull through efficiency is below industry average

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Report Card

CU Community performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+58.2 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Bottom 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Mediocre
Bottom 20% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Acceptable
Bottom 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Mediocre
Product
Mediocre
Pricing
Mediocre
Pull Through
Mediocre
Volume39
Mix92.9%
Spread
+0.604%Above
Fees
$3,305Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Mediocre
Product
Mediocre
Pricing
Mediocre
Pull Through
Mediocre
Volume24
Mix57.1%
Spread
+0.445%Above
Fees
$3,754Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Mediocre
Volume18
Mix42.9%
Spread
+0.762%Above
Fees
$2,630Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
42
Applications
135
Volume
$9 million
Pricing & Closing
Avg Rate Spread
+0.582%
vs. market APOR
Avg Net Fees
$3,268
Origination − Credits
Pullthrough Rate
31.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$230,000
Avg Borrower Income
$107,548
Avg Property Value
$353,810

Geographic Coverage

Geographic Performance

Metro Areas
0
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
N/A

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South4
ALGAMSTN

Top States by Place Specialization Score

Tennessee
Tennessee
1
TennesseeState
Volume 35Mix 83.33% of portfolio
61/100
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.