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Apple Federal Credit Union
Credit Union|Fairfax, VA|Regional
Loans Originated
263
Applications
363
Volume
$110 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.071%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,329
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 7.10 basis points below market average
- Strong pull through performance
Report Card
Apple Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Regional · 4 metro areas · 5 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$421,654
Average Borrower Income
$163,198
Average Property Value
$574,125
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Sound | 260 | 98.9% | -0.071% | $2,329 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Sound | 198 | 75.3% | -0.057% | $1,854 |
Refinance | Strong | Sound | Strong | Strong | 65 | 24.7% | -0.098% | $3,214 |
Geographic Coverage
Metro Areas
3
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DCMDNCVAWV
Top Metro Areas by Place Specialization Score
1
Arlington, VA-WVMSA
Volume: 181Mix: 68.82%
Place Specialization
Strong
2
Winchester, VA, VA-WVMSA
Volume: 19Mix: 7.22%
Place Specialization
Strong
3
Hagerstown, MD-WVMSA
Volume: 10Mix: 3.80%
Place Specialization
Sound
Top States by Place Specialization Score
1
VAState
Volume: 223Mix: 84.79%
Place Specialization
Strong
2
MDState
Volume: 18Mix: 6.84%
Place Specialization
Sound
3
WVState
Volume: 13Mix: 4.94%
Place Specialization
Sound
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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