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Empeople Credit Union
Credit Union|Moline, IL|National
Loans Originated
804
Applications
1,427
Volume
$235 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.191%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$806
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
56.3%
Percentage of applications that result in closed loans
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
Report Card
Empeople Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 9 metro areas · 40 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$293,321
Average Borrower Income
$158,257
Average Property Value
$410,647
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% | $828 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 11 | 1.4% | -0.395% | -$898 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 602 | 74.9% | -0.196% | $714 |
Refinance | Strong | Strong | Strong | Strong | 202 | 25.1% | -0.175% | $1,083 |
Geographic Coverage
Metro Areas
8
States Served
40
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
1
Davenport, IA-ILMSA
Volume: 192Mix: 23.88%
Place Specialization
Exceptional
2
Des Moines, IAMSA
Volume: 77Mix: 9.58%
Place Specialization
Strong
3
Waterloo, IAMSA
Volume: 34Mix: 4.23%
Place Specialization
Sound
4
Portland, MEMSA
Volume: 24Mix: 2.99%
Place Specialization
Sound
5
Dubuque, IA, IAMSA
Volume: 17Mix: 2.11%
Place Specialization
Sound
6
Fargo, ND, ND-MNMSA
Volume: 14Mix: 1.74%
Place Specialization
Sound
7
Kansas City, MO, MO-KSMSA
Volume: 17Mix: 2.11%
Place Specialization
Sound
8
Raleigh, NCMSA
Volume: 11Mix: 1.37%
Place Specialization
Sound
Top States by Place Specialization Score
1
IAState
Volume: 273Mix: 33.96%
Place Specialization
Strong
2
ILState
Volume: 130Mix: 16.17%
Place Specialization
Strong
3
MEState
Volume: 38Mix: 4.73%
Place Specialization
Sound
4
KSState
Volume: 31Mix: 3.86%
Place Specialization
Sound
5
WIState
Volume: 30Mix: 3.73%
Place Specialization
Sound
6
NCState
Volume: 37Mix: 4.60%
Place Specialization
Sound
7
NDState
Volume: 19Mix: 2.36%
Place Specialization
Sound
8
NEState
Volume: 19Mix: 2.36%
Place Specialization
Sound
9
MOState
Volume: 23Mix: 2.86%
Place Specialization
Sound
10
GAState
Volume: 19Mix: 2.36%
Place Specialization
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)
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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