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FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION
Credit Union|CUMBERLAND, MD|Regional
Loans Originated
192
Applications
247
Volume
$31 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.375%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$911
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 37.50 basis points below market average
- Lower than average lender fees
Report Card
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
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 | Acceptable | Near industry average | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Regional · 1 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
$164,323
Average Borrower Income
$119,359
Average Property Value
$217,772
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Sound | 191 | 99.5% | -0.376% | $902 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Acceptable | Exceptional | Acceptable | 145 | 75.5% | -0.444% | $1,032 |
Refinance | Strong | Sound | Exceptional | Sound | 47 | 24.5% | -0.140% | $500 |
Geographic Coverage
Metro Areas
0
States Served
4
We count Washington DC as a state
Avg Place Specialization
N/A
States with Loan Originations
MDPASCWV
Top States by Place Specialization Score
1
MDState
Volume: 112Mix: 58.33%
Place Specialization
Strong
2
WVState
Volume: 33Mix: 17.19%
Place Specialization
Strong
3
PAState
Volume: 46Mix: 23.96%
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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