We analyzed every closed loan from Empeople Credit Union — 804 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
National · 8 mkts
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 19.10 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Empeople Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 19.1 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 9 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 | 793 | 98.6% | -0.188%Below | $828Fees | ||||
Jumbo Loans | — | 11 | 1.4% | -0.395%Below | $898Credit |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume793
Mix98.6%
Spread
-0.188%Below
Fees
$828Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume11
Mix1.4%
Spread
-0.395%Below
Fees
$898Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 602 | 74.9% | -0.196%Below | $714Fees | ||||
Refinance | 202 | 25.1% | -0.175%Below | $1,083Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume602
Mix74.9%
Spread
-0.196%Below
Fees
$714Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume202
Mix25.1%
Spread
-0.175%Below
Fees
$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
8
markets with activity
States Served
40
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
40Northeast4
CTMENHPA
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West8
AZCACOIDMTNMNVWA
Top Metro Areas by Place Specialization Score
Volume 192Mix 23.88% of portfolio
86/100
Exceptional
Volume 77Mix 9.58% of portfolio
67/100
Strong
Volume 34Mix 4.23% of portfolio
58/100
Sound
Volume 24Mix 2.99% of portfolio
54/100
Sound
Volume 17Mix 2.11% of portfolio
49/100
Sound
Volume 14Mix 1.74% of portfolio
47/100
Sound
Volume 17Mix 2.11% of portfolio
46/100
Sound
Volume 11Mix 1.37% of portfolio
41/100
SoundTop States by Place Specialization Score
1
IowaState
Volume 273Mix 33.96% of portfolio
75/100
Strong2
IllinoisState
Volume 130Mix 16.17% of portfolio
66/100
Strong3
MaineState
Volume 38Mix 4.73% of portfolio
57/100
Sound4
KansasState
Volume 31Mix 3.86% of portfolio
54/100
Sound5
WisconsinState
Volume 30Mix 3.73% of portfolio
50/100
Sound6
North CarolinaState
Volume 37Mix 4.60% of portfolio
49/100
Sound7
North DakotaState
Volume 19Mix 2.36% of portfolio
49/100
Sound8
NebraskaState
Volume 19Mix 2.36% of portfolio
48/100
Sound9
MissouriState
Volume 23Mix 2.86% of portfolio
46/100
Sound10
GeorgiaState
Volume 19Mix 2.36% of portfolio
43/100
SoundShowing 10 of 15 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.