What loan types does Utilities Employees Credit Union offer?

Utilities Employees Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Utilities Employees Credit Union offer mortgages?

Utilities Employees Credit Union offers mortgages in 15 states: CO, DE, FL, GA, IL, NC, NH, NJ, NY, OH, PA, SC, TN, VA, WI.

How competitive are Utilities Employees Credit Union's mortgage rates?

Utilities Employees Credit Union has an overall pricing score of 91.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Utilities Employees Credit Union?

Utilities Employees Credit Union is a Credit Union headquartered in Wyomissing, PA.

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Utilities Employees Credit Union

Credit Union•Wyomissing, PAHQ•Direct•Reviews near you on Google

Utilities Employees Credit Union has 69 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

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Active

Multi-Region

Summary

What They Do Well

Offers rates 25.20 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

Utilities Employees Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 25.2 bps below market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 1 markets

Acceptable

Bottom 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Mediocre	68	98.6%	-0.246%Below	$979Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Mediocre

Volume68

Mix98.6%

Spread

-0.246%Below

Fees

$979Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Mediocre	56	81.2%	-0.281%Below	$1,066Fees
Refinance	Acceptable	Acceptable	—	Acceptable	13	18.8%	-0.103%Below	$562Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Mediocre

Volume56

Mix81.2%

Spread

-0.281%Below

Fees

$1,066Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume13

Mix18.8%

Spread

-0.103%Below

Fees

$562Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

128

Volume

$19 million

Pricing & Closing

Avg Rate Spread

-0.252%

vs. market APOR

Avg Net Fees

$982

Origination − Credits

Pullthrough Rate

53.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$280,217

Avg Borrower Income

$137,667

Avg Property Value

$455,580

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

Northeast4

NHNJNYPA

Midwest3

ILOHWI

South7

DEFLGANCSCTNVA

West1

Top States by Place Specialization Score

PennsylvaniaState

Volume 28Mix 40.58% of portfolio

55/100

Sound

New JerseyState

Volume 12Mix 17.39% of portfolio

47/100

Sound

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.