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Dort Financial Credit Union

Credit UnionGrand Blanc, MIDirect to Consumer

Dort Financial Credit Union has 282 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Strong
FHA · Conventional
Place
Strong
Regional · 3 mkts
Safe Rate AwardsConventional SuperstarFHA SuperstarRefinance Superstar

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA loans

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Report Card

Dort Financial Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+22.4 bps above market avg
Pull Through
Closing strength
Exceptional
Market Leader
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Sound
Exceptional
24687.2%
+0.162%Above
$635Fees
FHA Loans
Strong
Strong
Strong
Strong
3412.1%
+0.738%Above
$146Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Strong
17863.1%
+0.188%Above
$603Fees
Refinance
Strong
Strong
Sound
Exceptional
10436.9%
+0.279%Above
$552Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
282
Applications
347
Volume
$53 million
Pricing & Closing
Avg Rate Spread
+0.224%
vs. market APOR
Avg Net Fees
$583
Origination − Credits
Pullthrough Rate
81.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$188,511
Avg Borrower Income
$107,326
Avg Property Value
$274,362

Geographic Coverage

Geographic Performance

Metro Areas
3
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

FLMI

Top Metro Areas by Place Specialization Score

1
Flint, MI, MIMSA
Volume: 167Mix: 59.22%of portfolio
Place
Exceptional
2
Warren, MIMSA
Volume: 42Mix: 14.89%of portfolio
Place
Sound
3
Saginaw, MI, MIMSA
Volume: 10Mix: 3.55%of portfolio
Place
Sound

Top States by Place Specialization Score

1
MIState
Volume: 273Mix: 96.81%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.