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ANDREWS FEDERAL CREDIT UNION
Credit Union|Suitland, MD|Near-National
Loans Originated
176
Applications
443
Volume
$70 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Average Rate Spread
-0.427%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,720
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
39.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 42.70 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
ANDREWS FEDERAL CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Near-National · 2 metro areas · 32 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$399,773
Average Borrower Income
$164,051
Average Property Value
$552,273
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Exceptional | Mediocre | 174 | 98.9% | -0.431% | $1,722 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Acceptable | Exceptional | Acceptable | 133 | 75.6% | -0.463% | $1,712 |
Refinance | Acceptable | Acceptable | Exceptional | Mediocre | 43 | 24.4% | -0.317% | $1,747 |
Geographic Coverage
Metro Areas
2
States Served
32
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACTDCDEFLGAILKYMAMDMIMNMONCNENJNMNVNYOHOKORPASCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Arlington, VA-WVMSA
Volume: 30Mix: 17.05%
Place Specialization
Sound
2
Washington, DC, DC-MDMSA
Volume: 19Mix: 10.80%
Place Specialization
Sound
Top States by Place Specialization Score
1
VAState
Volume: 33Mix: 18.75%
Place Specialization
Sound
2
MDState
Volume: 31Mix: 17.61%
Place Specialization
Sound
3
NJState
Volume: 15Mix: 8.52%
Place Specialization
Sound
4
PAState
Volume: 13Mix: 7.39%
Place Specialization
Sound
5
TXState
Volume: 10Mix: 5.68%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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