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Desco

Credit Union•Portsmouth, OHHQ•Direct•Reviews near you on Google

Desco has 166 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
Sound
3/5
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

  • Competitive pricing compared to the market
  • Lower than average lender fees

Explore another lender or local market

Report Card

Desco performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+17.3 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% 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
Sound
Pricing
Strong
Pull Through
Strong
Volume156
Mix94.0%
Spread
+0.166%Above
Fees
$499Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume101
Mix60.8%
Spread
+0.115%Above
Fees
$603Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume65
Mix39.2%
Spread
+0.266%Above
Fees
$378Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
166
Applications
251
Volume
$29 million
Pricing & Closing
Avg Rate Spread
+0.173%
vs. market APOR
Avg Net Fees
$517
Origination − Credits
Pullthrough Rate
66.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$177,470
Avg Borrower Income
$137,482
Avg Property Value
$250,602

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
MIOH
South4
FLKYNCWV

Top Metro Areas by Place Specialization Score

1© DelanoPatterson · CC0
HuntingtonMetro
Volume 77Mix 46.39% of portfolio
81/100
Exceptional

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 102Mix 61.45% of portfolio
67/100
Strong
Kentucky
Kentucky
2
KentuckyState
Volume 58Mix 34.94% of portfolio
65/100
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.