We analyzed every closed loan from Global Federal Credit Union — 1.6k loans across 2k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Regional · 9 mkts
Awards
FHA
Champion
VA
Champion
Jumbo
Champion
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
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
Explore another lender or local market
Report Card
Global Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 12.2 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% 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
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 10 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 | 1,042 | 66.9% | -0.039%Below | $1,425Fees | ||||
FHA Loans | 204 | 13.1% | +0.155%Above | $2,067Fees | ||||
VA Loans | 171 | 11.0% | -0.390%Below | $1,261Fees | ||||
Jumbo Loans | 134 | 8.6% | -0.853%Below | $51Fees |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,042
Mix66.9%
Spread
-0.039%Below
Fees
$1,425Fees
FHA Loans
OverallExceptional
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume204
Mix13.1%
Spread
+0.155%Above
Fees
$2,067Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume171
Mix11.0%
Spread
-0.390%Below
Fees
$1,261Fees
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume134
Mix8.6%
Spread
-0.853%Below
Fees
$51Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,389 | 89.2% | -0.116%Below | $1,442Fees | ||||
Refinance | 168 | 10.8% | -0.163%Below | $790Fees |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,389
Mix89.2%
Spread
-0.116%Below
Fees
$1,442Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume168
Mix10.8%
Spread
-0.163%Below
Fees
$790Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,557
Applications
2,044
Volume
$729 million
Pricing & Closing
Avg Rate Spread
-0.122%
vs. market APOR
Avg Net Fees
$1,363
Origination − Credits
Pullthrough Rate
76.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$468,642
Avg Borrower Income
$163,259
Avg Property Value
$604,300
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
5West5
AKAZCAIDWA
Top Metro Areas by Place Specialization Score
Volume 112Mix 7.19% of portfolio
99/100
Exceptional
Volume 674Mix 43.29% of portfolio
94/100
Exceptional
Volume 231Mix 14.84% of portfolio
80/100
Strong
Volume 87Mix 5.59% of portfolio
74/100
Strong
Volume 63Mix 4.05% of portfolio
69/100
Strong
Volume 24Mix 1.54% of portfolio
54/100
Sound
Volume 23Mix 1.48% of portfolio
46/100
Sound
Volume 12Mix 0.77% of portfolio
44/100
Sound
Volume 13Mix 0.83% of portfolio
40/100
SoundTop States by Place Specialization Score
1
AlaskaState
Volume 1,017Mix 65.32% of portfolio
97/100
Exceptional2
WashingtonState
Volume 479Mix 30.76% of portfolio
83/100
Exceptional3
ArizonaState
Volume 32Mix 2.06% of portfolio
48/100
Sound4
IdahoState
Volume 14Mix 0.90% of portfolio
42/100
Sound5
CaliforniaState
Volume 15Mix 0.96% of portfolio
38/100
AcceptableHow 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.