We analyzed every closed loan from Alliance Credit Union — 839 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
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
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 3 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Alliance Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+16.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Sound
Top 60% 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
Multi-Regional · 4 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 | 559 | 66.6% | +0.192%Above | $925Fees | ||||
FHA Loans | 235 | 28.0% | +0.204%Above | $1,392Fees | ||||
VA Loans | 34 | 4.1% | -0.513%Below | $2,733Fees | ||||
USDA Loans | — | — | 10 | 1.2% | -0.019%Below | $1,648Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume559
Mix66.6%
Spread
+0.192%Above
Fees
$925Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume235
Mix28.0%
Spread
+0.204%Above
Fees
$1,392Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume34
Mix4.1%
Spread
-0.513%Below
Fees
$2,733Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix1.2%
Spread
-0.019%Below
Fees
$1,648Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 795 | 94.8% | +0.165%Above | $1,173Fees | ||||
Refinance | — | 44 | 5.2% | +0.263%Above | $1,249Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume795
Mix94.8%
Spread
+0.165%Above
Fees
$1,173Fees
Refinance
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume44
Mix5.2%
Spread
+0.263%Above
Fees
$1,249Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
839
Applications
1,176
Volume
$206 million
Pricing & Closing
Avg Rate Spread
+0.168%
vs. market APOR
Avg Net Fees
$1,175
Origination − Credits
Pullthrough Rate
71.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$246,573
Avg Borrower Income
$140,391
Avg Property Value
$290,948
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Midwest1
MI
South4
ARGATNTX
West1
NM
Top Metro Areas by Place Specialization Score
Volume 584Mix 69.61% of portfolio
100/100
Exceptional
Volume 170Mix 20.26% of portfolio
82/100
Exceptional
Volume 14Mix 1.67% of portfolio
41/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 832Mix 99.17% of portfolio
82/100
ExceptionalHow 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.