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Avadian

Credit Union•Hoover, ALHQ•Direct•Reviews near you on Google

Avadian has 299 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 3 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

Avadian performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+7.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume251
Mix83.9%
Spread
+0.051%Above
Fees
$1,519Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume15
Mix5.0%
Spread
+0.988%Above
Fees
$1,001Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume21
Mix7.0%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume224
Mix74.9%
Spread
+0.091%Above
Fees
$1,526Fees
Refinance
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume75
Mix25.1%
Spread
-0.074%Below
Fees
$1,296Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
299
Applications
377
Volume
$104 million
Pricing & Closing
Avg Rate Spread
+0.070%
vs. market APOR
Avg Net Fees
$1,496
Origination − Credits
Pullthrough Rate
79.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$350,452
Avg Borrower Income
$165,742
Avg Property Value
$460,705

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South5
ALFLGAMSTN

Top Metro Areas by Place Specialization Score

1© Eric in SF · CC BY-SA 3.0
Birmingham, ALMetro
Volume 153Mix 51.17% of portfolio
87/100
Exceptional
2© Unknown authorUnknown author · Public domain
Huntsville, ALMetro
Volume 83Mix 27.76% of portfolio
77/100
Strong
3© Ecjmartin1 · Public domain
Dothan, ALMetro
Volume 20Mix 6.69% of portfolio
61/100
Strong

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 291Mix 97.32% of portfolio
85/100
Exceptional

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.