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E
ELEVATIONS
Credit Union|Boulder, CO|Single State
Loans Originated
1,642
Applications
2,257
Volume
$891 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.167%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,018
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
Report Card
ELEVATIONS performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Sound | Industry Standard | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Single State · 6 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$542,753
Average Borrower Income
$206,400
Average Property Value
$802,144
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 1,371 | 83.5% | +0.168% | $1,134 |
FHA Loans | Strong | Sound | Strong | Strong | 42 | 2.6% | +0.357% | $2,329 |
VA Loans | Sound | Strong | Sound | Sound | 34 | 2.1% | -0.363% | $1,790 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 195 | 11.9% | +0.202% | -$118 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 1,465 | 89.2% | +0.161% | $1,003 |
Refinance | Strong | Strong | Sound | Strong | 177 | 10.8% | +0.220% | $1,143 |
Geographic Coverage
Metro Areas
5
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CO
Top Metro Areas by Place Specialization Score
1
Boulder, CO, COMSA
Volume: 549Mix: 33.43%
Place Specialization
Exceptional
2
Fort Collins, COMSA
Volume: 182Mix: 11.08%
Place Specialization
Exceptional
3
Denver, COMSA
Volume: 702Mix: 42.75%
Place Specialization
Exceptional
4
Greeley, CO, COMSA
Volume: 112Mix: 6.82%
Place Specialization
Exceptional
5
Colorado Springs, CO, COMSA
Volume: 11Mix: 0.67%
Place Specialization
Sound
Top States by Place Specialization Score
1
COState
Volume: 1,642Mix: 100.00%
Place Specialization
Exceptional
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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