What loan types does Capital Educators Federal Credit Union offer?

Capital Educators Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Capital Educators Federal Credit Union offer mortgages?

Capital Educators Federal Credit Union offers mortgages in 1 states: ID.

How competitive are Capital Educators Federal Credit Union's mortgage rates?

Capital Educators Federal Credit Union has an overall pricing score of 46.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Capital Educators Federal Credit Union?

Capital Educators Federal Credit Union is a Credit Union headquartered in Meridian, ID.

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Capital Educators Federal Credit Union

Credit Union•Meridian, IDHQ•Direct•Reviews near you on Google

Capital Educators Federal Credit Union has 96 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Capital Educators Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 40.6 bps below market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 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	Sound	Acceptable	Sound	Sound	96	100.0%	-0.406%Below	$3,663Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume96

Mix100.0%

Spread

-0.406%Below

Fees

$3,663Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Sound	67	69.8%	-0.482%Below	$4,276Fees
Refinance	Sound	Sound	Strong	Sound	29	30.2%	-0.250%Below	$2,416Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume67

Mix69.8%

Spread

-0.482%Below

Fees

$4,276Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume29

Mix30.2%

Spread

-0.250%Below

Fees

$2,416Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

137

Volume

$27 million

Pricing & Closing

Avg Rate Spread

-0.406%

vs. market APOR

Avg Net Fees

$3,663

Origination − Credits

Pullthrough Rate

70.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$289,479

Avg Borrower Income

$111,656

Avg Property Value

$481,667

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

West1

Top Metro Areas by Place Specialization Score

Boise City, IDMetro

Volume 86Mix 89.58% of portfolio

73/100

Strong

Top States by Place Specialization Score

IdahoState

Volume 96Mix 100.00% of portfolio

70/100

Strong

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.