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Saco Valley Credit Union

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

Saco Valley Credit Union has 35 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
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Strong
4/5
Regional · 1 mkts

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Report Card

Saco Valley Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+25.1 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
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Strong
Volume35
Mix100.0%
Spread
+0.251%Above
Fees
$775Fees

Loan Purpose Performance

Performance by Loan Purpose

Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Exceptional
Volume27
Mix77.1%
Spread
+0.301%Above
Fees
$764Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
35
Applications
39
Volume
$9 million
Pricing & Closing
Avg Rate Spread
+0.251%
vs. market APOR
Avg Net Fees
$775
Origination − Credits
Pullthrough Rate
89.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$260,429
Avg Borrower Income
$132,429
Avg Property Value
$481,857

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
ME
South1
FL

Top Metro Areas by Place Specialization Score

1© Seasider53 · CC BY 4.0
Portland, MEMetro
Volume 32Mix 91.43% of portfolio
68/100
Strong

Top States by Place Specialization Score

Maine
Maine
1
MaineState
Volume 34Mix 97.14% of portfolio
64/100
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.