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MICHIGAN STATE UNIVERSITY Federal Credit Union

Credit Union•East Lansing, MIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from MICHIGAN STATE UNIVERSITY Federal Credit Union — 926 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 10 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

MICHIGAN STATE UNIVERSITY Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+25.7 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
Jumbo
Strong
Top 40% 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 · 11 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume906
Mix97.8%
Spread
+0.257%Above
Fees
$1,227Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume20
Mix2.2%
Spread
+0.274%Above
Fees
$1,320Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume770
Mix83.2%
Spread
+0.275%Above
Fees
$1,213Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume156
Mix16.8%
Spread
+0.175%Above
Fees
$1,298Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
926
Applications
1,424
Volume
$255 million
Pricing & Closing
Avg Rate Spread
+0.257%
vs. market APOR
Avg Net Fees
$1,228
Origination − Credits
Pullthrough Rate
65.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$276,102
Avg Borrower Income
$153,410
Avg Property Value
$370,907

Geographic Coverage

Geographic Performance

Metro Areas
10
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

17
17 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest6
ILINMIMNOHWI
South6
FLGAKYNCSCTN
West4
AZCOORWA

Top Metro Areas by Place Specialization Score

1© WeaponizingArchitecture · CC BY-SA 4.0
Lansing, MIMetro
Volume 412Mix 44.49% of portfolio
96/100
Exceptional
2© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 116Mix 12.53% of portfolio
68/100
Strong
3© WMrapids · CC0
Grand Rapids, MIMetro
Volume 68Mix 7.34% of portfolio
62/100
Strong
4© w_lemay · CC0
Traverse City, MIMetro
Volume 22Mix 2.38% of portfolio
56/100
Sound
5© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Detroit, MIMetro
Volume 26Mix 2.81% of portfolio
52/100
Sound
6© Michael Barera · CC BY-SA 4.0
Jackson, MIMetro
Volume 13Mix 1.40% of portfolio
50/100
Sound
7© w_lemay · CC BY-SA 2.0
Ann Arbor, MIMetro
Volume 12Mix 1.30% of portfolio
45/100
Sound
8© Michael Barera · CC BY-SA 4.0
Flint, MIMetro
Volume 12Mix 1.30% of portfolio
44/100
Sound
9© Nick Number · CC BY 4.0
Battle Creek, MIMetro
Volume 10Mix 1.08% of portfolio
42/100
Sound
10© John Picken; derivative by Georgfotoart · CC BY 2.0
Chicago, ILMetro
Volume 13Mix 1.40% of portfolio
41/100
Sound

Top States by Place Specialization Score

Michigan
Michigan
1
MichiganState
Volume 841Mix 90.82% of portfolio
85/100
Exceptional
Illinois
Illinois
2
IllinoisState
Volume 17Mix 1.84% of portfolio
42/100
Sound
Florida
Florida
3
FloridaState
Volume 14Mix 1.51% of portfolio
36/100
Acceptable

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.