What loan types does Holy Rosary Regional Credit Union offer?

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

Where does Holy Rosary Regional Credit Union offer mortgages?

Holy Rosary Regional Credit Union offers mortgages in 2 states: ME, NH.

How competitive are Holy Rosary Regional Credit Union's mortgage rates?

Holy Rosary Regional Credit Union has an overall pricing score of 48.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Holy Rosary Regional Credit Union?

Holy Rosary Regional Credit Union is a Credit Union headquartered in Rochester, NH.

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Holy Rosary Regional Credit Union

Credit Union•Rochester, NHHQ•Direct•Reviews near you on Google

Holy Rosary Regional Credit Union has 30 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

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 1 mkts

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Holy Rosary Regional Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+42.9 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

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% 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	Sound	Acceptable	29	96.7%	+0.461%Above	$676Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume29

Mix96.7%

Spread

+0.461%Above

Fees

$676Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	20	66.7%	+0.245%Above	$890Fees
Refinance	Acceptable	Acceptable	—	Acceptable	10	33.3%	+0.799%Above	$260Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume20

Mix66.7%

Spread

+0.245%Above

Fees

$890Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume10

Mix33.3%

Spread

+0.799%Above

Fees

$260Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$9 million

Pricing & Closing

Avg Rate Spread

+0.429%

vs. market APOR

Avg Net Fees

$680

Origination − Credits

Pullthrough Rate

50.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$312,667

Avg Borrower Income

$169,233

Avg Property Value

$473,000

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

Northeast2

MENH

Top Metro Areas by Place Specialization Score

Rockingham County, NHMetro

Volume 14Mix 46.67% of portfolio

56/100

Sound

Top States by Place Specialization Score

New HampshireState

Volume 24Mix 80.00% 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.