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General Electric Credit Union

Credit Union•Cincinnati, OHHQ•Direct•Reviews near you on Google

General Electric Credit Union has 379 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 0.10 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

General Electric Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 0.1 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume354
Mix93.4%
Spread
+0.019%Above
Fees
$873Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume25
Mix6.6%
Spread
-0.358%Below
Fees
$865Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume290
Mix76.5%
Spread
-0.061%Below
Fees
$839Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume89
Mix23.5%
Spread
+0.185%Above
Fees
$979Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
379
Applications
504
Volume
$132 million
Pricing & Closing
Avg Rate Spread
-0.001%
vs. market APOR
Avg Net Fees
$872
Origination − Credits
Pullthrough Rate
75.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$349,301
Avg Borrower Income
$190,763
Avg Property Value
$495,501

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
INOH
South5
FLKYNCSCWV

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 297Mix 78.36% of portfolio
88/100
Exceptional
2© J654567 · CC BY-SA 3.0
Lexington, KYMetro
Volume 18Mix 4.75% of portfolio
53/100
Sound
3© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 20Mix 5.28% of portfolio
50/100
Sound
4© Warren LeMay · CC BY-SA 2.0
Dayton, OHMetro
Volume 15Mix 3.96% of portfolio
47/100
Sound

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 293Mix 77.31% of portfolio
76/100
Strong
Kentucky
Kentucky
2
KentuckyState
Volume 64Mix 16.89% of portfolio
64/100
Strong
Florida
Florida
3
FloridaState
Volume 11Mix 2.90% of portfolio
36/100
Acceptable

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.