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DACU

Day Air Credit Union

Credit UnionKettering, OHHQDirectReviews near you on Google

Day Air Credit Union has 190 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
Strong
4/5
Regional · 2 mkts

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

Day Air Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+53.4 bps above 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
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume185
Mix97.4%
Spread
+0.530%Above
Fees
$178Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume162
Mix85.3%
Spread
+0.519%Above
Fees
$207Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Pull Through
Acceptable
Volume28
Mix14.7%
Spread
+0.670%Above
Fees
$71Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
190
Applications
363
Volume
$38 million
Pricing & Closing
Avg Rate Spread
+0.534%
vs. market APOR
Avg Net Fees
$193
Origination − Credits
Pullthrough Rate
52.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$202,737
Avg Borrower Income
$134,779
Avg Property Value
$268,684

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
INOH
South1
FL

Top Metro Areas by Place Specialization Score

Volume 154Mix 81.05% of portfolio
80/100
Strong
Volume 23Mix 12.11% of portfolio
55/100
Sound

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 187Mix 98.42% of portfolio
73/100
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.