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Inova

Credit Union•Elkhart, INHQ•Direct•Reviews near you on Google

Inova has 118 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
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Multi-Region · 2 mkts
Safe Rate Awards
Refinance Champion
Refinance
Champion
Conventional Superstar
Conventional
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Inova performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+8.2 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume115
Mix97.5%
Spread
+0.072%Above
Fees
$431Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Sound
Volume51
Mix43.2%
Spread
+0.282%Above
Fees
$594Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume67
Mix56.8%
Spread
-0.064%Below
Fees
$303Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
118
Applications
171
Volume
$22 million
Pricing & Closing
Avg Rate Spread
+0.082%
vs. market APOR
Avg Net Fees
$426
Origination − Credits
Pullthrough Rate
69.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$188,898
Avg Borrower Income
$109,017
Avg Property Value
$317,627

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest4
ILINMIOH
South4
ARFLNCTN
West3
AZCANV

Top Metro Areas by Place Specialization Score

1© OceanGunfish · CC BY 4.0
Elkhart, INMetro
Volume 43Mix 36.44% of portfolio
75/100
Strong
2© Paul Sableman from St. Louis, MO · CC BY 2.0
South Bend, IN-MIMetro
Volume 38Mix 32.20% of portfolio
68/100
Strong

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 92Mix 77.97% of portfolio
67/100
Strong
Michigan
Michigan
2
MichiganState
Volume 11Mix 9.32% of portfolio
43/100
Sound

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.