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ATLANTA POSTAL
Credit Union|Atlanta, GA|Multi-Region
Loans Originated
71
Applications
213
Volume
$23 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
-0.003%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,027
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
33.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pull through efficiency is below industry average
Report Card
ATLANTA POSTAL performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Acceptable | Near industry average | |
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 | Multi-Regional · 3 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$326,268
Average Borrower Income
$151,197
Average Property Value
$526,972
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Sound | Mediocre | 63 | 88.7% | +0.007% | $1,961 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Sound | Mediocre | 53 | 74.6% | -0.073% | $2,077 |
Refinance | Mediocre | Acceptable | N/A | Mediocre | 18 | 25.4% | +0.173% | $1,899 |
Geographic Coverage
Metro Areas
2
States Served
14
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 21Mix: 29.58%
Place Specialization
Sound
2
Marietta, GA, GAMSA
Volume: 10Mix: 14.08%
Place Specialization
Sound
Top States by Place Specialization Score
1
GAState
Volume: 42Mix: 59.15%
Place Specialization
Strong
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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