Get & compare mortgage quotes anonymously Start in My Home
LAFC

Los Angeles Federal Credit Union

Credit UnionGlendale, CAHQDirectReviews near you on Google

Los Angeles Federal Credit Union has 40 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
Acceptable
2/5
Conventional
Place
Strong
4/5
Regional · 1 mkts

Safe Rate Summary

What They Do Well

  • Offers rates 85.80 basis points below market average
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Los Angeles Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 85.8 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Mediocre
Bottom 20% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Acceptable
Volume39
Mix97.5%
Spread
-0.862%Below
Fees
$467Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Mediocre
Pricing
Pull Through
Sound
Volume17
Mix42.5%
Spread
-0.877%Below
Fees
$359Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Acceptable
Volume23
Mix57.5%
Spread
-0.842%Below
Fees
$562Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
40
Applications
63
Volume
$24 million
Pricing & Closing
Avg Rate Spread
-0.858%
vs. market APOR
Avg Net Fees
$473
Origination − Credits
Pullthrough Rate
63.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$612,000
Avg Borrower Income
$314,600
Avg Property Value
$1,068,500

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West2
AZCA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 28Mix 70.00% of portfolio
61/100
Strong

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 39Mix 97.50% of portfolio
57/100
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.

Looking for a different lender?

Are you the owner of Los Angeles Federal Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.