We analyzed every closed loan from Boeing Employees Credit Union — 2.7k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 15 mkts
Promptness
Mediocre
1/5
No reply within 4+ business days
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 2.50 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and VA and Jumbo loans
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Report Card
Boeing Employees Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 2.5 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 10% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 16 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,951 | 73.5% | +0.005%Above | $954Fees | ||||
FHA Loans | 21 | 0.8% | +0.305%Above | $2,269Fees | ||||
VA Loans | — | 25 | 0.9% | -0.181%Below | $340Fees | |||
Jumbo Loans | 657 | 24.8% | -0.134%Below | $395Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume1,951
Mix73.5%
Spread
+0.005%Above
Fees
$954Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume21
Mix0.8%
Spread
+0.305%Above
Fees
$2,269Fees
VA Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume25
Mix0.9%
Spread
-0.181%Below
Fees
$340Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume657
Mix24.8%
Spread
-0.134%Below
Fees
$395Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,348 | 88.5% | -0.035%Below | $975Fees | ||||
Refinance | 306 | 11.5% | +0.050%Above | $214Credit |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume2,348
Mix88.5%
Spread
-0.035%Below
Fees
$975Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume306
Mix11.5%
Spread
+0.050%Above
Fees
$214Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,654
Applications
4,467
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.025%
vs. market APOR
Avg Net Fees
$833
Origination − Credits
Pullthrough Rate
59.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$702,913
Avg Borrower Income
$213,959
Avg Property Value
$998,018
Geographic Coverage
Geographic Performance
Metro Areas
15
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Northeast1
PA
Midwest3
ILKSMO
South1
SC
West5
AZCAIDORWA
Top Metro Areas by Place Specialization Score
Volume 1,181Mix 44.50% of portfolio
100/100
Exceptional
Volume 456Mix 17.18% of portfolio
100/100
Exceptional
Volume 246Mix 9.27% of portfolio
90/100
Exceptional
Volume 42Mix 1.58% of portfolio
83/100
Exceptional
Volume 108Mix 4.07% of portfolio
78/100
Strong
Volume 54Mix 2.03% of portfolio
72/100
Strong
Volume 59Mix 2.22% of portfolio
70/100
Strong
Volume 48Mix 1.81% of portfolio
69/100
Strong
Volume 39Mix 1.47% of portfolio
64/100
Strong
Volume 25Mix 0.94% of portfolio
62/100
StrongShowing 10 of 15 metro areas
Top States by Place Specialization Score
1
WashingtonState
Volume 2,369Mix 89.26% of portfolio
100/100
Exceptional2
IdahoState
Volume 86Mix 3.24% of portfolio
60/100
Strong3
OregonState
Volume 62Mix 2.34% of portfolio
58/100
Sound4
ArizonaState
Volume 51Mix 1.92% of portfolio
52/100
Sound5
CaliforniaState
Volume 44Mix 1.66% of portfolio
46/100
Sound6
South CarolinaState
Volume 16Mix 0.60% of portfolio
41/100
Sound7
MissouriState
Volume 14Mix 0.53% of portfolio
40/100
AcceptableHow 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.