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FAMILY SAVINGS CREDIT UNION
Credit Union|Rainbow City, US|Regional
Loans Originated
60
Applications
77
Volume
$8 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.862%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$499
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Rates typically 86 basis points above market average
Report Card
FAMILY SAVINGS CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Mediocre | Below peers | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Regional · 3 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$141,333
Average Borrower Income
$96,983
Average Property Value
$268,966
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Exceptional | 60 | 100.0% | +0.862% | $499 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Mediocre | Mediocre | N/A | N/A | 11 | 18.3% | +0.973% | $499 |
Refinance | Sound | Sound | Sound | Strong | 49 | 81.7% | +0.842% | $499 |
Geographic Coverage
Metro Areas
2
States Served
4
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARFLGA
Top Metro Areas by Place Specialization Score
1
Gadsden, AL, ALMSA
Volume: 15Mix: 25.00%
Place Specialization
Strong
2
Marietta, GA, GAMSA
Volume: 15Mix: 25.00%
Place Specialization
Sound
Top States by Place Specialization Score
1
ALState
Volume: 26Mix: 43.33%
Place Specialization
Sound
2
GAState
Volume: 32Mix: 53.33%
Place Specialization
Sound
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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