We analyzed every closed loan from ENT Credit Union — 1.7k loans across 3k 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
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Single State · 6 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 20.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
ENT Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 20.6 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% 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
Single State · 7 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,161 | 69.8% | -0.155%Below | $1,655Fees | ||||
FHA Loans | 171 | 10.3% | -0.001%Below | $1,594Fees | ||||
VA Loans | 216 | 13.0% | -0.650%Below | $2,265Fees | ||||
Jumbo Loans | 116 | 7.0% | -0.392%Below | $1,223Fees |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,161
Mix69.8%
Spread
-0.155%Below
Fees
$1,655Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume171
Mix10.3%
Spread
-0.001%Below
Fees
$1,594Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume216
Mix13.0%
Spread
-0.650%Below
Fees
$2,265Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume116
Mix7.0%
Spread
-0.392%Below
Fees
$1,223Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,366 | 82.1% | -0.222%Below | $1,694Fees | ||||
Refinance | 298 | 17.9% | -0.136%Below | $1,605Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,366
Mix82.1%
Spread
-0.222%Below
Fees
$1,694Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume298
Mix17.9%
Spread
-0.136%Below
Fees
$1,605Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,664
Applications
2,597
Volume
$755 million
Pricing & Closing
Avg Rate Spread
-0.206%
vs. market APOR
Avg Net Fees
$1,678
Origination − Credits
Pullthrough Rate
64.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$454,044
Avg Borrower Income
$167,090
Avg Property Value
$614,898
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1West1
CO
Top Metro Areas by Place Specialization Score
Volume 928Mix 55.77% of portfolio
100/100
Exceptional
Volume 164Mix 9.86% of portfolio
92/100
Exceptional
Volume 366Mix 22.00% of portfolio
80/100
Exceptional
Volume 77Mix 4.63% of portfolio
74/100
Strong
Volume 47Mix 2.82% of portfolio
65/100
Strong
Volume 16Mix 0.96% of portfolio
47/100
SoundTop States by Place Specialization Score
1
ColoradoState
Volume 1,664Mix 100.00% of portfolio
93/100
ExceptionalHow 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.