Looking for a different lender?
C
CAMPUS USA CREDIT UNION
Credit Union|Newberry, FL|Multi-Region
Loans Originated
387
Applications
448
Volume
$105 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.090%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$817
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
86.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
Report Card
CAMPUS USA CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$272,416
Average Borrower Income
$172,416
Average Property Value
$414,432
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Strong | Exceptional | Exceptional | 377 | 97.4% | +0.106% | $793 |
Jumbo Loans | Sound | Sound | N/A | N/A | 10 | 2.6% | -1.044% | $2,500 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 260 | 67.2% | -0.134% | $796 |
Refinance | Strong | Strong | Strong | Exceptional | 127 | 32.8% | +0.367% | $843 |
Geographic Coverage
Metro Areas
4
States Served
7
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALFLGAMDNCPASC
Top Metro Areas by Place Specialization Score
1
Gainesville, FL, FLMSA
Volume: 178Mix: 45.99%
Place Specialization
Exceptional
2
Ocala, FL, FLMSA
Volume: 89Mix: 23.00%
Place Specialization
Exceptional
3
Tallahassee, FL, FLMSA
Volume: 15Mix: 3.88%
Place Specialization
Sound
4
Orlando, FLMSA
Volume: 11Mix: 2.84%
Place Specialization
Sound
Top States by Place Specialization Score
1
FLState
Volume: 374Mix: 96.64%
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.
Ready to Get Started?
Compare CAMPUS USA CREDIT UNION with other lenders or get personalized recommendations.