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COOSA PINES FEDERAL CREDIT UNION
Credit Union|Childersburg, AL|unknown
Loans Originated
96
Applications
113
Volume
$17 million
Offers loans directly to consumers
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Pullthrough Rate
85.0%
Percentage of applications that result in closed loans
Report Card
COOSA PINES FEDERAL CREDIT UNION 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 | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Varies · 2 metro areas · 0 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$178,958
Average Borrower Income
$99,083
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Acceptable | N/A | Strong | 93 | 96.9% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | N/A | Acceptable | 21 | 21.9% | — | — |
Refinance | Sound | Sound | N/A | Strong | 75 | 78.1% | — | — |
Geographic Coverage
Metro Areas
1
States Served
0
We count Washington DC as a state
Avg Place Specialization
Strong
Top Metro Areas by Place Specialization Score
1
Birmingham, AL, ALMSA
Volume: 28Mix: 29.17%
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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