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Atlanta Postal

Credit Union•Atlanta, GAHQ•Direct•Reviews near you on Google

Atlanta Postal has 71 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
Sound
3/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Multi-Region · 2 mkts

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Atlanta Postal performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 0.3 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Mediocre
Volume63
Mix88.7%
Spread
+0.007%Above
Fees
$1,961Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Mediocre
Volume53
Mix74.6%
Spread
-0.073%Below
Fees
$2,077Fees
Refinance
Overall
Mediocre
Product
Acceptable
Pricing—
Pull Through
Mediocre
Volume18
Mix25.4%
Spread
+0.173%Above
Fees
$1,899Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
71
Applications
213
Volume
$23 million
Pricing & Closing
Avg Rate Spread
-0.003%
vs. market APOR
Avg Net Fees
$2,027
Origination − Credits
Pullthrough Rate
33.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$326,268
Avg Borrower Income
$151,197
Avg Property Value
$526,972

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14
14 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest1
MI
South11
ALARFLGAKYMDNCOKSCTNTX
West1
CA

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 21Mix 29.58% of portfolio
55/100
Sound
2© Bubba73 · CC BY-SA 3.0
Marietta, GAMetro
Volume 10Mix 14.08% of portfolio
47/100
Sound

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 42Mix 59.15% of portfolio
60/100
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.