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Credit Union Financial Services

Independent Mortgage Company•Suwanee, GAHQ•Direct•Reviews near you on Google

Credit Union Financial Services has 114 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Regional · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 34.30 basis points below market average
  • Lower than average lender fees

Explore another lender or local market

Report Card

Credit Union Financial Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 34.3 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% 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
Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume110
Mix96.5%
Spread
-0.335%Below
Fees
$1,204Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Sound
Volume58
Mix50.9%
Spread
-0.271%Below
Fees
$1,464Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume56
Mix49.1%
Spread
-0.430%Below
Fees
$958Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
114
Applications
144
Volume
$28 million
Pricing & Closing
Avg Rate Spread
-0.343%
vs. market APOR
Avg Net Fees
$1,236
Origination − Credits
Pullthrough Rate
79.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$249,035
Avg Borrower Income
$122,675
Avg Property Value
$354,825

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
ALFLGA

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 42Mix 36.84% of portfolio
62/100
Strong
2© Mihand35 · CC BY-SA 4.0
Macon, GAMetro
Volume 10Mix 8.77% of portfolio
50/100
Sound
3© Bubba73 · CC BY-SA 3.0
Marietta, GAMetro
Volume 10Mix 8.77% of portfolio
45/100
Sound

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 108Mix 94.74% 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.