What loan types does Maine Highlands Federal Credit Union offer?

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

Where does Maine Highlands Federal Credit Union offer mortgages?

Maine Highlands Federal Credit Union offers mortgages in 1 states: ME.

How competitive are Maine Highlands Federal Credit Union's mortgage rates?

Maine Highlands Federal Credit Union has an overall pricing score of 6.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Maine Highlands Federal Credit Union?

Maine Highlands Federal Credit Union is a Credit Union headquartered in Dexter, ME.

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Maine Highlands Federal Credit Union

Credit Union•Dexter, MEHQ•Direct•Reviews near you on Google

Maine Highlands Federal Credit Union has 26 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

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Active

Single State

Summary

Things to Think About

Rates typically 81 basis points above market average

Explore another lender or local market

Report Card

Maine Highlands Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+81.2 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

By Location· Geographic coverage

Geographic Reach

Single State · 1 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	Mediocre	Sound	26	100.0%	+0.812%Above	$2,691Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume26

Mix100.0%

Spread

+0.812%Above

Fees

$2,691Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Sound	22	84.6%	+0.800%Above	$2,628Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume22

Mix84.6%

Spread

+0.800%Above

Fees

$2,628Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$4 million

Pricing & Closing

Avg Rate Spread

+0.812%

vs. market APOR

Avg Net Fees

$2,691

Origination − Credits

Pullthrough Rate

81.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$155,769

Avg Borrower Income

$69,423

Avg Property Value

$193,077

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

Northeast1

Top States by Place Specialization Score

MaineState

Volume 26Mix 100.00% 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.