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CREDIT UNION MORTGAGE ASSOCIATION, INC.
Independent Mortgage Company|WILMINGTON, DE|National
Loans Originated
970
Applications
1,835
Volume
$332 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Acceptable
Safe Rate Awards⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.539%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,807
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
52.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 53.90 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
CREDIT UNION MORTGAGE ASSOCIATION, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 17 metro areas · 42 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$342,557
Average Borrower Income
$154,861
Average Property Value
$482,412
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Exceptional | Acceptable | 902 | 93.0% | -0.562% | $1,806 |
FHA Loans | Sound | Sound | Exceptional | Acceptable | 41 | 4.2% | -0.057% | $1,716 |
VA Loans | Acceptable | Sound | N/A | Mediocre | 17 | 1.8% | -0.538% | $559 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Exceptional | Acceptable | 723 | 74.5% | -0.521% | $1,832 |
Refinance | Strong | Strong | Exceptional | Sound | 247 | 25.5% | -0.592% | $1,730 |
Geographic Coverage
Metro Areas
16
States Served
42
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALAZCACOCTDCDEFLGAIDILINKSKYLAMAMDMEMIMNMOMSNCNDNHNJNMNYOHOKORPARISCTNTXVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
Washington, DC, DC-MDMSA
Volume: 72Mix: 7.42%
Place Specialization
Strong
2
Arlington, VA-WVMSA
Volume: 101Mix: 10.41%
Place Specialization
Strong
3
Baltimore, MDMSA
Volume: 92Mix: 9.48%
Place Specialization
Strong
4
Frederick, MDMSA
Volume: 40Mix: 4.12%
Place Specialization
Strong
5
Richmond, VA, VAMSA
Volume: 28Mix: 2.89%
Place Specialization
Sound
6
Winston, NCMSA
Volume: 22Mix: 2.27%
Place Specialization
Sound
7
Charlotte, NC-SCMSA
Volume: 28Mix: 2.89%
Place Specialization
Sound
8
Fayetteville, NC, NCMSA
Volume: 17Mix: 1.75%
Place Specialization
Sound
9
Memphis, TNMSA
Volume: 22Mix: 2.27%
Place Specialization
Sound
10
Chicago, ILMSA
Volume: 24Mix: 2.47%
Place Specialization
Sound
Showing 10 of 16 metro areas
Top States by Place Specialization Score
1
MDState
Volume: 187Mix: 19.28%
Place Specialization
Strong
2
VAState
Volume: 154Mix: 15.88%
Place Specialization
Strong
3
NCState
Volume: 116Mix: 11.96%
Place Specialization
Strong
4
PAState
Volume: 88Mix: 9.07%
Place Specialization
Strong
5
DCState
Volume: 31Mix: 3.20%
Place Specialization
Sound
6
NYState
Volume: 38Mix: 3.92%
Place Specialization
Sound
7
FLState
Volume: 60Mix: 6.19%
Place Specialization
Sound
8
TNState
Volume: 36Mix: 3.71%
Place Specialization
Sound
9
ILState
Volume: 38Mix: 3.92%
Place Specialization
Sound
10
MSState
Volume: 23Mix: 2.37%
Place Specialization
Sound
Showing 10 of 19 states
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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