We analyzed every closed loan from Leaders Credit Union — 750 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Multi-Region · 2 mkts
Awards
Conventional
Superstar
FHA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Leaders Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+30.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Exceptional
Top 20% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 459 | 61.2% | +0.222%Above | $1,190Fees | ||||
FHA Loans | 158 | 21.1% | +0.675%Above | $885Fees | ||||
VA Loans | — | 45 | 6.0% | -0.417%Below | $933Fees | |||
USDA Loans | 83 | 11.1% | +0.467%Above | $682Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume459
Mix61.2%
Spread
+0.222%Above
Fees
$1,190Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume158
Mix21.1%
Spread
+0.675%Above
Fees
$885Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume45
Mix6.0%
Spread
-0.417%Below
Fees
$933Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume83
Mix11.1%
Spread
+0.467%Above
Fees
$682Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 620 | 82.7% | +0.325%Above | $892Fees | ||||
Refinance | 130 | 17.3% | +0.229%Above | $1,893Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume620
Mix82.7%
Spread
+0.325%Above
Fees
$892Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume130
Mix17.3%
Spread
+0.229%Above
Fees
$1,893Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
750
Applications
1,158
Volume
$180 million
Pricing & Closing
Avg Rate Spread
+0.307%
vs. market APOR
Avg Net Fees
$1,077
Origination − Credits
Pullthrough Rate
64.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$241,000
Avg Borrower Income
$111,331
Avg Property Value
$298,173
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
10Midwest2
MIMO
South8
ARFLGALAMSTNTXVA
Top Metro Areas by Place Specialization Score
Volume 349Mix 46.53% of portfolio
100/100
Exceptional
Volume 152Mix 20.27% of portfolio
76/100
StrongTop States by Place Specialization Score
1
TennesseeState
Volume 727Mix 96.93% of portfolio
88/100
Exceptional2
MississippiState
Volume 10Mix 1.33% of portfolio
40/100
SoundHow 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.