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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 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Strong
Multi-Region · 14 mkts
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
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Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Mountain America Federal Credit Union performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard Rates 11.9 bps below market avg | |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional15 markets | |
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 |
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 |
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
States Served
10
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AZCOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
1
Salt Lake City, UTMSA
Volume: 443Mix: 23.89%of portfolio
Place
Exceptional2
St. George, UT, UTMSA
Volume: 110Mix: 5.93%of portfolio
Place
Exceptional3
Ogden, UT, UTMSA
Volume: 148Mix: 7.98%of portfolio
Place
Strong4
Provo, UTMSA
Volume: 171Mix: 9.22%of portfolio
Place
Strong5
Boise City, ID, IDMSA
Volume: 105Mix: 5.66%of portfolio
Place
Strong6
Idaho Falls, ID, IDMSA
Volume: 46Mix: 2.48%of portfolio
Place
Strong7
Logan, UT, UT-IDMSA
Volume: 38Mix: 2.05%of portfolio
Place
Strong8
Phoenix, AZMSA
Volume: 114Mix: 6.15%of portfolio
Place
Strong9
Las Vegas, NVMSA
Volume: 72Mix: 3.88%of portfolio
Place
Strong10
Pocatello, ID, IDMSA
Volume: 20Mix: 1.08%of portfolio
Place
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
UTState
Volume: 1,236Mix: 66.67%of portfolio
Place
Exceptional2
IDState
Volume: 247Mix: 13.32%of portfolio
Place
Strong3
AZState
Volume: 152Mix: 8.20%of portfolio
Place
Strong4
NVState
Volume: 91Mix: 4.91%of portfolio
Place
Strong5
NMState
Volume: 37Mix: 2.00%of portfolio
Place
Sound6
MTState
Volume: 22Mix: 1.19%of portfolio
Place
Sound7
COState
Volume: 19Mix: 1.02%of portfolio
Place
Sound8
WAState
Volume: 14Mix: 0.76%of portfolio
Place
Sound9
ORState
Volume: 11Mix: 0.59%of portfolio
Place
AcceptableHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.