What loan types does Empeople Credit Union offer?

Empeople Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Empeople Credit Union offer mortgages?

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

How competitive are Empeople Credit Union's mortgage rates?

Empeople Credit Union has an overall pricing score of 77.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Empeople Credit Union?

Empeople Credit Union is a Credit Union headquartered in Moline, IL.

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Empeople Credit Union

Credit Union•Moline, IL•Direct to Consumer

We analyzed every closed loan from Empeople Credit Union — 804 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Strong

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

Conventional · Jumbo

Place

Sound

National · 8 mkts

Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

Offers rates 19.10 basis points below market average
Lower than average lender fees
Nationwide availability with consistent service

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Report Card

Empeople Credit Union performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Strong	Highly Competitive Rates 19.1 bps below market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% 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 National9 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Sound	793	98.6%	-0.188%Below	$828Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	11	1.4%	-0.395%Below	$898Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Sound	602	74.9%	-0.196%Below	$714Fees
Refinance	Strong	Strong	Strong	Strong	202	25.1%	-0.175%Below	$1,083Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

804

Applications

1,427

Volume

$235 million

Pricing & Closing

Avg Rate Spread

-0.191%

vs. market APOR

Avg Net Fees

$806

Origination − Credits

Pullthrough Rate

56.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$293,321

Avg Borrower Income

$158,257

Avg Property Value

$410,647

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

Davenport, IA-ILMSA

Volume: 192Mix: 23.88%of portfolio

Place

Exceptional

Des Moines, IAMSA

Volume: 77Mix: 9.58%of portfolio

Place

Strong

Waterloo, IAMSA

Volume: 34Mix: 4.23%of portfolio

Place

Sound

Portland, MEMSA

Volume: 24Mix: 2.99%of portfolio

Place

Sound

Dubuque, IA, IAMSA

Volume: 17Mix: 2.11%of portfolio

Place

Sound

Fargo, ND, ND-MNMSA

Volume: 14Mix: 1.74%of portfolio

Place

Sound

Kansas City, MO, MO-KSMSA

Volume: 17Mix: 2.11%of portfolio

Place

Sound

Raleigh, NCMSA

Volume: 11Mix: 1.37%of portfolio

Place

Sound

Top States by Place Specialization Score

IAState

Volume: 273Mix: 33.96%of portfolio

Place

Strong

ILState

Volume: 130Mix: 16.17%of portfolio

Place

Strong

MEState

Volume: 38Mix: 4.73%of portfolio

Place

Sound

KSState

Volume: 31Mix: 3.86%of portfolio

Place

Sound

WIState

Volume: 30Mix: 3.73%of portfolio

Place

Sound

NCState

Volume: 37Mix: 4.60%of portfolio

Place

Sound

NDState

Volume: 19Mix: 2.36%of portfolio

Place

Sound

NEState

Volume: 19Mix: 2.36%of portfolio

Place

Sound

MOState

Volume: 23Mix: 2.86%of portfolio

Place

Sound

GAState

Volume: 19Mix: 2.36%of portfolio

Place

Sound

Showing 10 of 15 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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.