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B
BAY
Credit Union|Capitola, CA|Single State
Loans Originated
133
Applications
203
Volume
$78 million
Offers loans directly to consumers
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Pullthrough Rate
65.5%
Percentage of applications that result in closed loans
Report Card
BAY performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Single State · 2 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$588,459
Average Borrower Income
$195,504
Average Property Value
$1,063,571
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Strong | 126 | 94.7% | -0.276% | -$2,213 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Strong | 103 | 77.4% | -0.276% | -$2,213 |
Refinance | Sound | Sound | N/A | Sound | 30 | 22.6% | — | — |
Geographic Coverage
Metro Areas
2
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CA
Top Metro Areas by Place Specialization Score
1
Santa Cruz, CAMSA
Volume: 91Mix: 68.42%
Place Specialization
Exceptional
2
Salinas, CA, CAMSA
Volume: 17Mix: 12.78%
Place Specialization
Strong
Top States by Place Specialization Score
1
CAState
Volume: 133Mix: 100.00%
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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