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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
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

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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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
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
Near-National · 5 markets
Strong
Top 40% of lenders

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

31
31 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
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 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.