What loan types does Telhio offer?

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

Where does Telhio offer mortgages?

Telhio offers mortgages in 5 states: FL, KY, MI, OH, TN.

How competitive are Telhio's mortgage rates?

Telhio has an overall pricing score of 80.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Telhio?

Telhio is a Credit Union headquartered in Columbus, OH.

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Telhio

Credit Union•Columbus, OHHQ•Direct•Reviews near you on Google

Telhio has 229 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

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Awards

Refinance

Superstar

Summary

What They Do Well

Offers rates 21.20 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Telhio performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 21.2 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Sound	Sound	Exceptional	Sound	225	98.3%	-0.208%Below	$1,494Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume225

Mix98.3%

Spread

-0.208%Below

Fees

$1,494Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Acceptable	189	82.5%	-0.220%Below	$1,520Fees
Refinance	Strong	Sound	Exceptional	Sound	40	17.5%	-0.171%Below	$1,415Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume189

Mix82.5%

Spread

-0.220%Below

Fees

$1,520Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume40

Mix17.5%

Spread

-0.171%Below

Fees

$1,415Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

229

Applications

327

Volume

$66 million

Pricing & Closing

Avg Rate Spread

-0.212%

vs. market APOR

Avg Net Fees

$1,503

Origination − Credits

Pullthrough Rate

70.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$290,240

Avg Borrower Income

$156,974

Avg Property Value

$408,231

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

Midwest2

MIOH

South3

FLKYTN

Top Metro Areas by Place Specialization Score

Columbus, OHMetro

Volume 157Mix 68.56% of portfolio

80/100

Strong

Cincinnati, OHMetro

Volume 46Mix 20.09% of portfolio

64/100

Strong

Top States by Place Specialization Score

OhioState

Volume 223Mix 97.38% of portfolio

74/100

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.