What loan types does Ornl offer?

Ornl offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Ornl offer mortgages?

Ornl offers mortgages in 3 states: GA, KY, TN.

How competitive are Ornl's mortgage rates?

Ornl has an overall pricing score of 32.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Ornl?

Ornl is a Credit Union headquartered in Oak Ridge, TN.

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Ornl

Credit Union•Oak Ridge, TNHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Ornl — 529 loans across 881 applications— and benchmarked them against peer lenders 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

Strong

4/5

Conventional · Jumbo

Place

Exceptional

5/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Particularly strong in Conventional and Jumbo loans

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,152)

Explore another lender or local market

Report Card

Ornl performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

Rates 4.8 bps below market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

496 loans · 0.06% below market

Strong

Top 40% of lenders

4/5

Jumbo

33 loans · 0.19% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

440 loans · 0.07% below market

Strong

Top 40% of lenders

4/5

Refinance

89 loans · 0.07% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	496	93.8%	-0.062%Below	$3,929Fees
Jumbo Loans	Sound	Strong	Mediocre	Strong	33	6.2%	+0.188%Above	$7,992Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume496

Mix93.8%

Spread

-0.062%Below

Fees

$3,929Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume33

Mix6.2%

Spread

+0.188%Above

Fees

$7,992Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	440	83.2%	-0.071%Below	$4,414Fees
Refinance	Sound	Strong	Sound	Sound	89	16.8%	+0.071%Above	$2,805Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume440

Mix83.2%

Spread

-0.071%Below

Fees

$4,414Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume89

Mix16.8%

Spread

+0.071%Above

Fees

$2,805Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

529

Applications

881

Volume

$198 million

Pricing & Closing

Avg Rate Spread

-0.048%

vs. market APOR

Avg Net Fees

$4,152

Origination − Credits

Pullthrough Rate

60.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$375,567

Avg Borrower Income

$139,885

Avg Property Value

$521,314

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 500500+None

South3

GAKYTN

Top Metro Areas by Place Specialization Score

Knoxville, TNMetro

Volume 419Mix 79.21% of portfolio

89/100

Exceptional

Morristown, TNMetro

Volume 33Mix 6.24% of portfolio

75/100

Strong

Top States by Place Specialization Score

TennesseeState

Volume 527Mix 99.62% of portfolio

85/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.