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Mountain America Federal Credit Union
Credit Union|Sandy, UT|Multi-Region
Loans Originated
1,854
Applications
3,814
Volume
$684 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.119%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,374
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
48.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
Mountain America Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 15 metro areas · 10 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$368,943
Average Borrower Income
$132,715
Average Property Value
$553,786
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 1,554 | 83.8% | -0.039% | $3,229 |
FHA Loans | Strong | Strong | Strong | Sound | 186 | 10.0% | -0.400% | $3,892 |
VA Loans | Strong | Strong | Strong | Sound | 47 | 2.5% | -0.932% | $4,005 |
Jumbo Loans | Sound | Strong | N/A | Sound | 63 | 3.4% | +0.508% | $5,253 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 1,270 | 68.5% | -0.218% | $4,212 |
Refinance | Sound | Strong | Sound | Sound | 584 | 31.5% | +0.013% | $2,265 |
Geographic Coverage
Metro Areas
14
States Served
10
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
1
Salt Lake City, UTMSA
Volume: 443Mix: 23.89%
Place Specialization
Exceptional
2
St. George, UT, UTMSA
Volume: 110Mix: 5.93%
Place Specialization
Exceptional
3
Ogden, UT, UTMSA
Volume: 148Mix: 7.98%
Place Specialization
Strong
4
Provo, UTMSA
Volume: 171Mix: 9.22%
Place Specialization
Strong
5
Boise City, ID, IDMSA
Volume: 105Mix: 5.66%
Place Specialization
Strong
6
Idaho Falls, ID, IDMSA
Volume: 46Mix: 2.48%
Place Specialization
Strong
7
Logan, UT, UT-IDMSA
Volume: 38Mix: 2.05%
Place Specialization
Strong
8
Phoenix, AZMSA
Volume: 114Mix: 6.15%
Place Specialization
Strong
9
Las Vegas, NVMSA
Volume: 72Mix: 3.88%
Place Specialization
Strong
10
Pocatello, ID, IDMSA
Volume: 20Mix: 1.08%
Place Specialization
Sound
Showing 10 of 14 metro areas
Top States by Place Specialization Score
1
UTState
Volume: 1,236Mix: 66.67%
Place Specialization
Exceptional
2
IDState
Volume: 247Mix: 13.32%
Place Specialization
Strong
3
AZState
Volume: 152Mix: 8.20%
Place Specialization
Strong
4
NVState
Volume: 91Mix: 4.91%
Place Specialization
Strong
5
NMState
Volume: 37Mix: 2.00%
Place Specialization
Sound
6
MTState
Volume: 22Mix: 1.19%
Place Specialization
Sound
7
COState
Volume: 19Mix: 1.02%
Place Specialization
Sound
8
WAState
Volume: 14Mix: 0.76%
Place Specialization
Sound
9
ORState
Volume: 11Mix: 0.59%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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