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Bank-Fund Staff Federal Credit Union

Credit Union•Washington, DCHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Bank-Fund Staff Federal Credit Union — 508 loans across 923 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Near-National · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 9.70 basis points below market average
  • Lower than average lender fees
  • Nationwide availability with consistent service

Explore another lender or local market

Report Card

Bank-Fund Staff Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 9.7 bps below market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
460 loans · 0.09% below market
Sound
Top 60% of lenders
3/5
Jumbo
48 loans · 0.18% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
460 loans · 0.09% below market
Sound
Top 60% of lenders
3/5
Refinance
48 loans · 0.16% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 5 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume460
Mix90.6%
Spread
-0.090%Below
Fees
$1,017Credit
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume48
Mix9.4%
Spread
-0.177%Below
Fees
$2,421Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume460
Mix90.6%
Spread
-0.091%Below
Fees
$1,146Credit
Refinance
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume48
Mix9.4%
Spread
-0.157%Below
Fees
$931Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
508
Applications
923
Volume
$314 million
Pricing & Closing
Avg Rate Spread
-0.097%
vs. market APOR
Avg Net Fees
$-1,126
Origination − Credits
Pullthrough Rate
55.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$618,602
Avg Borrower Income
$247,618
Avg Property Value
$878,524

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

31Full-year 2024 · HMDA
31 states with loan originations
Loans originated
< 1010–100100+None
Northeast6
CTMANHNJNYPA
Midwest5
ILINMONEOH
South13
ARDCDEFLGAMDNCOKSCTNTXVAWV
West7
CACONMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 133Mix 26.18% of portfolio
82/100
Exceptional
2© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 95Mix 18.70% of portfolio
79/100
Strong
3© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 157Mix 30.91% of portfolio
76/100
Strong
4© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 13Mix 2.56% of portfolio
43/100
Sound

Top States by Place Specialization Score

Washington, DC
Washington, DC
1
Washington, DCState
Volume 129Mix 25.39% of portfolio
85/100
Exceptional
Virginia
Virginia
2
VirginiaState
Volume 167Mix 32.87% of portfolio
73/100
Strong
Maryland
Maryland
3
MarylandState
Volume 116Mix 22.83% of portfolio
68/100
Strong
California
California
4
CaliforniaState
Volume 13Mix 2.56% of portfolio
39/100
Acceptable
Florida
Florida
5
FloridaState
Volume 11Mix 2.17% of portfolio
35/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.