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LFCU

Logix Federal Credit Union

Credit UnionValencia, CAHQDirectReviews near you on Google

Logix Federal Credit Union has 237 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
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 3 mkts

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Report Card

Logix Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+25.9 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Acceptable
Volume208
Mix87.8%
Spread
+0.274%Above
Fees
$527Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume29
Mix12.2%
Spread
+0.145%Above
Fees
$1,085Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Acceptable
Volume178
Mix75.1%
Spread
+0.219%Above
Fees
$225Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume59
Mix24.9%
Spread
+0.384%Above
Fees
$1,762Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
237
Applications
447
Volume
$138 million
Pricing & Closing
Avg Rate Spread
+0.259%
vs. market APOR
Avg Net Fees
$592
Origination − Credits
Pullthrough Rate
53.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$584,451
Avg Borrower Income
$221,291
Avg Property Value
$916,730

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
MEMANH
South2
MDVA
West3
AZCANV

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 127Mix 53.59% of portfolio
74/100
Strong
2© Lan56 · CC BY-SA 3.0
Oxnard, CAMetro
Volume 42Mix 17.72% of portfolio
69/100
Strong
Volume 19Mix 8.02% of portfolio
50/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 211Mix 89.03% of portfolio
70/100
Strong
Arizona
Arizona
2
ArizonaState
Volume 12Mix 5.06% 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.