What loan types does Credit Union Mortgage Association offer?

Credit Union Mortgage Association offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Credit Union Mortgage Association offer mortgages?

Credit Union Mortgage Association is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Credit Union Mortgage Association's mortgage rates?

Credit Union Mortgage Association has an overall pricing score of 88.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Credit Union Mortgage Association?

Credit Union Mortgage Association is a Independent Mortgage Company headquartered in WILMINGTON, DE.

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Credit Union Mortgage Association

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Credit Union Mortgage Association — 970 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Sound

3/5

National · 16 mkts

Awards

Conventional

Superstar

FHA

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

Credit Union Mortgage Association performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 53.9 bps below market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Sound

Top 60% of lenders

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 17 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Exceptional	Acceptable	902	93.0%	-0.562%Below	$1,806Fees
FHA Loans	Strong	Sound	Exceptional	Acceptable	41	4.2%	-0.057%Below	$1,716Fees
VA Loans	Acceptable	Sound	—	Mediocre	17	1.8%	-0.538%Below	$559Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Acceptable

Volume902

Mix93.0%

Spread

-0.562%Below

Fees

$1,806Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume41

Mix4.2%

Spread

-0.057%Below

Fees

$1,716Fees

VA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Mediocre

Volume17

Mix1.8%

Spread

-0.538%Below

Fees

$559Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Acceptable	723	74.5%	-0.521%Below	$1,832Fees
Refinance	Strong	Strong	Exceptional	Sound	247	25.5%	-0.592%Below	$1,730Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume723

Mix74.5%

Spread

-0.521%Below

Fees

$1,832Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume247

Mix25.5%

Spread

-0.592%Below

Fees

$1,730Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

970

Applications

1,835

Volume

$332 million

Pricing & Closing

Avg Rate Spread

-0.539%

vs. market APOR

Avg Net Fees

$1,807

Origination − Credits

Pullthrough Rate

52.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$342,557

Avg Borrower Income

$154,861

Avg Property Value

$482,412

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest9

ILINKSMIMNMONDOHWI

South16

ALDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West8

AKAZCACOIDNMORWA

Top Metro Areas by Place Specialization Score

1© Ad Meskens · CC BY-SA 3.0

Washington, DC, DC-MDMetro

Volume 72Mix 7.42% of portfolio

70/100

Strong

2© Billy Hathorn · CC BY-SA 3.0

Arlington, VA-WVMetro

Volume 101Mix 10.41% of portfolio

68/100

Strong

3© Andrew Parlette from Elkridge,MD, US · CC BY 2.0

Baltimore, MDMetro

Volume 92Mix 9.48% of portfolio

67/100

Strong

4© Preservation Maryland · CC BY-SA 2.0

Frederick, MDMetro

Volume 40Mix 4.12% of portfolio

62/100

Strong

5© Billy Hathorn · CC BY-SA 3.0

Richmond, VAMetro

Volume 28Mix 2.89% of portfolio

54/100

Sound

Winston, NCMetro

Volume 22Mix 2.27% of portfolio

53/100

Sound

Charlotte, NC-SCMetro

Volume 28Mix 2.89% of portfolio

51/100

Sound

Fayetteville, NCMetro

Volume 17Mix 1.75% of portfolio

50/100

Sound

Memphis, TNMetro

Volume 22Mix 2.27% of portfolio

50/100

Sound

Chicago, ILMetro

Volume 24Mix 2.47% of portfolio

48/100

Sound

Showing 10 of 16 metro areas

Top States by Place Specialization Score

MarylandState

Volume 187Mix 19.28% of portfolio

71/100

Strong

VirginiaState

Volume 154Mix 15.88% of portfolio

69/100

Strong

North CarolinaState

Volume 116Mix 11.96% of portfolio

61/100

Strong

PennsylvaniaState

Volume 88Mix 9.07% of portfolio

61/100

Strong

Washington, DCState

Volume 31Mix 3.20% of portfolio

59/100

Sound

New YorkState

Volume 38Mix 3.92% of portfolio

51/100

Sound

FloridaState

Volume 60Mix 6.19% of portfolio

51/100

Sound

TennesseeState

Volume 36Mix 3.71% of portfolio

51/100

Sound

IllinoisState

Volume 38Mix 3.92% of portfolio

51/100

Sound

MississippiState

Volume 23Mix 2.37% of portfolio

49/100

Sound

Showing 10 of 19 states

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.