What loan types does Y-12 Federal Credit Union offer?

Y-12 Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Y-12 Federal Credit Union offer mortgages?

Y-12 Federal Credit Union offers mortgages in 1 states: TN.

How competitive are Y-12 Federal Credit Union's mortgage rates?

Y-12 Federal Credit Union has an overall pricing score of 27.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Y-12 Federal Credit Union?

Y-12 Federal Credit Union is a Credit Union headquartered in Oak Ridge, TN.

Unclaimed

Y-12 Federal Credit Union

Credit Union•Oak Ridge, TNHQ•Direct•Reviews near you on Google

Y-12 Federal Credit Union has 217 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

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Exceptional

5/5

Single State · 1 mkts

Awards

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Y-12 Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

Rates 1.8 bps below market avg

Pull Through

Closing strength

Strong

Top 40% 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

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 2 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	Acceptable	Strong	210	96.8%	-0.035%Below	$2,847Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume210

Mix96.8%

Spread

-0.035%Below

Fees

$2,847Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Sound	123	56.7%	+0.064%Above	$3,338Fees
Refinance	Strong	Strong	Sound	Strong	94	43.3%	-0.123%Below	$2,277Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume123

Mix56.7%

Spread

+0.064%Above

Fees

$3,338Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume94

Mix43.3%

Spread

-0.123%Below

Fees

$2,277Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

217

Applications

297

Volume

$57 million

Pricing & Closing

Avg Rate Spread

-0.018%

vs. market APOR

Avg Net Fees

$2,873

Origination − Credits

Pullthrough Rate

73.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$263,848

Avg Borrower Income

$112,074

Avg Property Value

$392,419

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

Knoxville, TNMetro

Volume 183Mix 84.33% of portfolio

81/100

Exceptional

Top States by Place Specialization Score

TennesseeState

Volume 217Mix 100.00% of portfolio

78/100

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.