Mountain America Federal Credit Union
We analyzed every closed loan from Mountain America Federal Credit Union — 1.9k loans across 4k 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 14 mkts
Awards
FHA
Superstar
VA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Mountain America Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 11.9 bps below market avg
Pull Through
Closing strength
Sound
Top 60% 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
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 · 15 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,554 | 83.8% | -0.039%Below | $3,229Fees | ||||
FHA Loans | 186 | 10.0% | -0.400%Below | $3,892Fees | ||||
VA Loans | 47 | 2.5% | -0.932%Below | $4,005Fees | ||||
Jumbo Loans | — | 63 | 3.4% | +0.508%Above | $5,253Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,554
Mix83.8%
Spread
-0.039%Below
Fees
$3,229Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume186
Mix10.0%
Spread
-0.400%Below
Fees
$3,892Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume47
Mix2.5%
Spread
-0.932%Below
Fees
$4,005Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume63
Mix3.4%
Spread
+0.508%Above
Fees
$5,253Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,270 | 68.5% | -0.218%Below | $4,212Fees | ||||
Refinance | 584 | 31.5% | +0.013%Above | $2,265Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,270
Mix68.5%
Spread
-0.218%Below
Fees
$4,212Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume584
Mix31.5%
Spread
+0.013%Above
Fees
$2,265Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,854
Applications
3,814
Volume
$684 million
Pricing & Closing
Avg Rate Spread
-0.119%
vs. market APOR
Avg Net Fees
$3,374
Origination − Credits
Pullthrough Rate
48.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$368,943
Avg Borrower Income
$132,715
Avg Property Value
$553,786
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10West10
AZCOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 443Mix 23.89% of portfolio
89/100
Exceptional
Volume 110Mix 5.93% of portfolio
82/100
Exceptional
Volume 148Mix 7.98% of portfolio
79/100
Strong
Volume 171Mix 9.22% of portfolio
78/100
Strong
Volume 105Mix 5.66% of portfolio
68/100
Strong
Volume 46Mix 2.48% of portfolio
68/100
Strong
Volume 38Mix 2.05% of portfolio
67/100
Strong
Volume 114Mix 6.15% of portfolio
64/100
Strong
Volume 72Mix 3.88% of portfolio
64/100
Strong
Volume 20Mix 1.08% of portfolio
53/100
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
UtahState
Volume 1,236Mix 66.67% of portfolio
92/100
Exceptional2
IdahoState
Volume 247Mix 13.32% of portfolio
73/100
Strong3
ArizonaState
Volume 152Mix 8.20% of portfolio
66/100
Strong4
NevadaState
Volume 91Mix 4.91% of portfolio
65/100
Strong5
New MexicoState
Volume 37Mix 2.00% of portfolio
55/100
Sound6
MontanaState
Volume 22Mix 1.19% of portfolio
49/100
Sound7
ColoradoState
Volume 19Mix 1.02% of portfolio
43/100
Sound8
WashingtonState
Volume 14Mix 0.76% of portfolio
40/100
Sound9
OregonState
Volume 11Mix 0.59% of portfolio
39/100
AcceptableHow 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 Mountain America Federal Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.