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CREDIT UNION 1 Credit Union
Credit Union|Anchorage, AK|Single State
Loans Originated
110
Applications
197
Volume
$32 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.196%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,590
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
55.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 19.60 basis points below market average
Report Card
CREDIT UNION 1 Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
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 | Sound | 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
$294,909
Average Borrower Income
$132,627
Average Property Value
$406,818
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Sound | 106 | 96.4% | -0.187% | $2,624 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Sound | 63 | 57.3% | -0.217% | $2,495 |
Refinance | Strong | Sound | Exceptional | Sound | 47 | 42.7% | -0.167% | $2,721 |
Geographic Coverage
Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AK
Top Metro Areas by Place Specialization Score
1
Anchorage, AK, AKMSA
Volume: 79Mix: 71.82%
Place Specialization
Strong
Top States by Place Specialization Score
1
AKState
Volume: 110Mix: 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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