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AFCU

Abound Federal Credit Union

Credit UnionRadcliff, KYHQDirectReviews near you on Google

Abound Federal Credit Union has 385 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
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Regional · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 16.30 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Abound Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 16.3 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume373
Mix96.9%
Spread
-0.152%Below
Fees
$234Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume262
Mix68.1%
Spread
-0.159%Below
Fees
$302Credit
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume123
Mix31.9%
Spread
-0.173%Below
Fees
$81Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
385
Applications
705
Volume
$96 million
Pricing & Closing
Avg Rate Spread
-0.163%
vs. market APOR
Avg Net Fees
$-230
Origination − Credits
Pullthrough Rate
54.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$250,584
Avg Borrower Income
$109,732
Avg Property Value
$329,182

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
IN
South1
KY

Top Metro Areas by Place Specialization Score

1© Nyttend · Public domain
Elizabethtown, KYMetro
Volume 122Mix 31.69% of portfolio
100/100
Exceptional
2© Ken Lund · CC BY-SA 2.0
Louisville/Jefferson County, KY, KY-INMetro
Volume 95Mix 24.68% of portfolio
74/100
Strong
Volume 39Mix 10.13% of portfolio
69/100
Strong
Volume 11Mix 2.86% of portfolio
46/100
Sound

Top States by Place Specialization Score

Kentucky
Kentucky
1
KentuckyState
Volume 375Mix 97.40% of portfolio
86/100
Exceptional
Indiana
Indiana
2
IndianaState
Volume 10Mix 2.60% of portfolio
39/100
Acceptable

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.