What loan types does 4Front Credit Union offer?

4Front Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does 4Front Credit Union offer mortgages?

4Front Credit Union offers mortgages in 1 states: MI.

How competitive are 4Front Credit Union's mortgage rates?

4Front Credit Union has an overall pricing score of 34.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is 4Front Credit Union?

4Front Credit Union is a Credit Union headquartered in Traverse City, MI.

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4Front Credit Union

Credit Union•Traverse City, MIHQ•Direct•Reviews near you on Google

4Front Credit Union has 137 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

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Summary

Things to Think About

Rates typically 51 basis points above market average

Explore another lender or local market

Report Card

4Front Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+50.7 bps above 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

Single State · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	136	99.3%	+0.514%Above	$1,310Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume136

Mix99.3%

Spread

+0.514%Above

Fees

$1,310Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	80	58.4%	+0.507%Above	$1,292Fees
Refinance	Sound	Sound	Acceptable	Strong	57	41.6%	+0.508%Above	$1,400Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume80

Mix58.4%

Spread

+0.507%Above

Fees

$1,292Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume57

Mix41.6%

Spread

+0.508%Above

Fees

$1,400Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

137

Applications

206

Volume

$24 million

Pricing & Closing

Avg Rate Spread

+0.507%

vs. market APOR

Avg Net Fees

$1,335

Origination − Credits

Pullthrough Rate

66.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$180,620

Avg Borrower Income

$94,788

Avg Property Value

$271,277

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

Midwest1

Top Metro Areas by Place Specialization Score

Traverse City, MIMetro

Volume 30Mix 21.90% of portfolio

71/100

Strong

Top States by Place Specialization Score

MichiganState

Volume 137Mix 100.00% of portfolio

71/100

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.