We analyzed every closed loan from GREENSTATE Credit Union — 7.1k loans across 9k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 18 mkts
Promptness
Exceptional
5/5
Answers within ~1 business day
Awards
Conventional
Champion
FHA
Champion
VA
Champion
Purchase
Champion
Refinance
Champion
Jumbo
Superstar
Summary
What They Do Well
- Offers rates 15.70 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
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Report Card
GREENSTATE Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 15.7 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 10% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
National · 19 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 | 6,312 | 89.4% | -0.155%Below | $622Fees | ||||
FHA Loans | 454 | 6.4% | +0.074%Above | $514Fees | ||||
VA Loans | 223 | 3.2% | -0.711%Below | $500Fees | ||||
Jumbo Loans | 53 | 0.8% | +0.109%Above | $223Fees | ||||
USDA Loans | — | 19 | 0.3% | -0.291%Below | $597Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume6,312
Mix89.4%
Spread
-0.155%Below
Fees
$622Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume454
Mix6.4%
Spread
+0.074%Above
Fees
$514Fees
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume223
Mix3.2%
Spread
-0.711%Below
Fees
$500Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume53
Mix0.8%
Spread
+0.109%Above
Fees
$223Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix0.3%
Spread
-0.291%Below
Fees
$597Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,937 | 84.1% | -0.157%Below | $697Fees | ||||
Refinance | 1,124 | 15.9% | -0.153%Below | $166Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume5,937
Mix84.1%
Spread
-0.157%Below
Fees
$697Fees
Refinance
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,124
Mix15.9%
Spread
-0.153%Below
Fees
$166Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
7,061
Applications
9,013
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.157%
vs. market APOR
Avg Net Fees
$609
Origination − Credits
Pullthrough Rate
78.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$264,186
Avg Borrower Income
$134,175
Avg Property Value
$357,198
Geographic Coverage
Geographic Performance
Metro Areas
18
markets with activity
States Served
44
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
44Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South15
ALARDEFLGAKYLAMDMSNCOKSCTNTXVA
West9
AKAZCACOIDMTORWAWY
Top Metro Areas by Place Specialization Score
Volume 1,317Mix 18.65% of portfolio
100/100
Exceptional
Volume 953Mix 13.50% of portfolio
100/100
Exceptional
Volume 503Mix 7.12% of portfolio
100/100
Exceptional
Volume 738Mix 10.45% of portfolio
97/100
Exceptional
Volume 503Mix 7.12% of portfolio
95/100
Exceptional
Volume 435Mix 6.16% of portfolio
89/100
Exceptional
Volume 222Mix 3.14% of portfolio
86/100
Exceptional
Volume 826Mix 11.70% of portfolio
83/100
Exceptional
Volume 184Mix 2.61% of portfolio
83/100
Exceptional
Volume 125Mix 1.77% of portfolio
81/100
ExceptionalShowing 10 of 18 metro areas
Top States by Place Specialization Score
1
IowaState
Volume 4,661Mix 66.01% of portfolio
100/100
Exceptional2
IllinoisState
Volume 2,002Mix 28.35% of portfolio
91/100
Exceptional3
WisconsinState
Volume 74Mix 1.05% of portfolio
56/100
Sound4
ColoradoState
Volume 39Mix 0.55% of portfolio
48/100
Sound5
MinnesotaState
Volume 26Mix 0.37% of portfolio
45/100
Sound6
MichiganState
Volume 25Mix 0.35% of portfolio
43/100
Sound7
MissouriState
Volume 22Mix 0.31% of portfolio
43/100
Sound8
FloridaState
Volume 38Mix 0.54% of portfolio
42/100
Sound9
IndianaState
Volume 21Mix 0.30% of portfolio
42/100
Sound10
ArizonaState
Volume 16Mix 0.23% of portfolio
39/100
AcceptableShowing 10 of 13 states
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.