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Two Harbors Federal Credit Union
Credit Union|Two Harbors, MN|Single State
Loans Originated
23
Applications
23
Volume
$2 million
Offers loans directly to consumers
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Pullthrough Rate
100.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pull through efficiency is below industry average
Report Card
Two Harbors Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Mediocre | Below peers | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Acceptable | Single State · 1 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$101,522
Average Borrower Income
$94,957
Average Property Value
$316,429
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Mediocre | N/A | Strong | 23 | 100.0% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Refinance | Acceptable | Acceptable | N/A | N/A | 19 | 82.6% | — | — |
Geographic Coverage
Metro Areas
0
States Served
1
We count Washington DC as a state
Avg Place Specialization
N/A
States with Loan Originations
MN
Top States by Place Specialization Score
1
MNState
Volume: 22Mix: 95.65%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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