Looking for a different lender?
B
Bank-Fund Staff Federal Credit Union
Credit Union|WASHINGTON, DC|Near-National
Loans Originated
508
Applications
923
Volume
$314 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.097%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$1,126
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
55.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 9.70 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
Bank-Fund Staff Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Near-National · 5 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$618,602
Average Borrower Income
$247,618
Average Property Value
$878,524
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Exceptional | Acceptable | 460 | 90.6% | -0.090% | -$1,017 |
Jumbo Loans | Strong | Strong | Exceptional | Sound | 48 | 9.4% | -0.177% | -$2,421 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Exceptional | Acceptable | 460 | 90.6% | -0.091% | -$1,146 |
Refinance | Sound | Sound | Exceptional | Acceptable | 48 | 9.4% | -0.157% | -$931 |
Geographic Coverage
Metro Areas
4
States Served
31
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ARCACOCTDCDEFLGAILINMAMDMONCNENHNJNMNVNYOHOKORPASCTNTXUTVAWAWV
Top Metro Areas by Place Specialization Score
1
Washington, DC, DC-MDMSA
Volume: 133Mix: 26.18%
Place Specialization
Exceptional
2
Frederick, MDMSA
Volume: 95Mix: 18.70%
Place Specialization
Strong
3
Arlington, VA-WVMSA
Volume: 157Mix: 30.91%
Place Specialization
Strong
4
Baltimore, MDMSA
Volume: 13Mix: 2.56%
Place Specialization
Sound
Top States by Place Specialization Score
1
DCState
Volume: 129Mix: 25.39%
Place Specialization
Exceptional
2
VAState
Volume: 167Mix: 32.87%
Place Specialization
Strong
3
MDState
Volume: 116Mix: 22.83%
Place Specialization
Strong
4
CAState
Volume: 13Mix: 2.56%
Place Specialization
Acceptable
5
FLState
Volume: 11Mix: 2.17%
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.
Ready to Get Started?
Compare Bank-Fund Staff Federal Credit Union with other lenders or get personalized recommendations.