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Utica Gas & Electric Emp Credit Union

Credit Union•New Hartford, NYHQ•Direct•Reviews near you on Google

Utica Gas & Electric Emp Credit Union has 34 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
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Strong
4/5
Single State · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 8.50 basis points below market average
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Utica Gas & Electric Emp Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 8.5 bps below market avg
5/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
34 loans · 0.09% below market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
18 loans · 0.05% below market
Acceptable
Bottom 40% of lenders
2/5
Refinance
16 loans · 0.12% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Acceptable
Pricing
Exceptional
Pull Through
Strong
Volume34
Mix100.0%
Spread
-0.085%Below
Fees
$0Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume18
Mix52.9%
Spread
-0.051%Below
Fees
$0Fees
Refinance
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume16
Mix47.1%
Spread
-0.118%Below
Fees
$0Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
34
Applications
34
Volume
$7 million
Pricing & Closing
Avg Rate Spread
-0.085%
vs. market APOR
Avg Net Fees
$0
Origination − Credits
Pullthrough Rate
100.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$230,000
Avg Borrower Income
$112,824
Avg Property Value
$326,176

Geographic Coverage

Geographic Performance

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

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
All statesNone
Northeast1
NY

Top Metro Areas by Place Specialization Score

1© Andrey Volk · CC BY-SA 4.0
Utica, NYMetro
Volume 23Mix 67.65% of portfolio
65/100
Strong

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 34Mix 100.00% of portfolio
60/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.