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Global Federal Credit Union
Credit Union|Anchorage, AK|Regional
Loans Originated
1,557
Applications
2,044
Volume
$729 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Exceptional
Safe Rate Awards💎Jumbo Champion⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.122%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,363
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 12.20 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
Report Card
Global Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 10 metro areas · 5 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$468,642
Average Borrower Income
$163,259
Average Property Value
$604,300
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Strong | Strong | 1,042 | 66.9% | -0.039% | $1,425 |
FHA Loans | Strong | Strong | Strong | Exceptional | 204 | 13.1% | +0.155% | $2,067 |
VA Loans | Strong | Strong | Strong | Exceptional | 171 | 11.0% | -0.390% | $1,261 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 134 | 8.6% | -0.853% | $51 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Strong | Strong | 1,389 | 89.2% | -0.116% | $1,442 |
Refinance | Strong | Strong | Strong | Strong | 168 | 10.8% | -0.163% | $790 |
Geographic Coverage
Metro Areas
9
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKAZCAIDWA
Top Metro Areas by Place Specialization Score
1
Fairbanks, AKMSA
Volume: 112Mix: 7.19%
Place Specialization
Exceptional
2
Anchorage, AK, AKMSA
Volume: 674Mix: 43.29%
Place Specialization
Exceptional
3
Seattle, WAMSA
Volume: 231Mix: 14.84%
Place Specialization
Strong
4
Everett, WA, WAMSA
Volume: 87Mix: 5.59%
Place Specialization
Strong
5
Tacoma, WAMSA
Volume: 63Mix: 4.05%
Place Specialization
Strong
6
Spokane, WAMSA
Volume: 24Mix: 1.54%
Place Specialization
Sound
7
Phoenix, AZMSA
Volume: 23Mix: 1.48%
Place Specialization
Sound
8
Coeur d'Alene, ID, IDMSA
Volume: 12Mix: 0.77%
Place Specialization
Sound
9
Riverside, CAMSA
Volume: 13Mix: 0.83%
Place Specialization
Sound
Top States by Place Specialization Score
1
AKState
Volume: 1,017Mix: 65.32%
Place Specialization
Exceptional
2
WAState
Volume: 479Mix: 30.76%
Place Specialization
Exceptional
3
AZState
Volume: 32Mix: 2.06%
Place Specialization
Sound
4
IDState
Volume: 14Mix: 0.90%
Place Specialization
Sound
5
CAState
Volume: 15Mix: 0.96%
Place Specialization
Acceptable
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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