What loan types does Harvesters Federal Credit Union offer?

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

Where does Harvesters Federal Credit Union offer mortgages?

Harvesters Federal Credit Union offers mortgages in 2 states: AL, FL.

How competitive are Harvesters Federal Credit Union's mortgage rates?

Harvesters Federal Credit Union has an overall pricing score of 37.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Harvesters Federal Credit Union?

Harvesters Federal Credit Union is a Credit Union headquartered in Cantonment, FL.

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Harvesters Federal Credit Union

Credit Union•Cantonment, FLHQ•Direct•Reviews near you on Google

Harvesters Federal Credit Union has 62 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

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Harvesters Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+49.1 bps above market avg

Pull Through

Closing strength

Sound

Top 60% 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

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	Acceptable	Strong	60	96.8%	+0.491%Above	$2,509Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Acceptable

Pull Through

Strong

Volume60

Mix96.8%

Spread

+0.491%Above

Fees

$2,509Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	—	Sound	47	75.8%	+0.297%Above	$1,999Fees
Refinance	Acceptable	Acceptable	—	—	15	24.2%	+0.710%Above	$3,086Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume47

Mix75.8%

Spread

+0.297%Above

Fees

$1,999Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume15

Mix24.2%

Spread

+0.710%Above

Fees

$3,086Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$23 million

Pricing & Closing

Avg Rate Spread

+0.491%

vs. market APOR

Avg Net Fees

$2,509

Origination − Credits

Pullthrough Rate

83.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$371,935

Avg Borrower Income

$189,710

Avg Property Value

$553,226

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

South2

ALFL

Top Metro Areas by Place Specialization Score

Pensacola, FLMetro

Volume 56Mix 90.32% of portfolio

76/100

Strong

Top States by Place Specialization Score

FloridaState

Volume 57Mix 91.94% of portfolio

60/100

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.