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NDFC

Notre Dame Federal Credit Union Corporation

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We analyzed every closed loan from Notre Dame Federal Credit Union Corporation 551 loans across 646 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
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 5 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA loans

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Report Card

Notre Dame Federal Credit Union Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+36.0 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
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 · 6 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume486
Mix88.2%
Spread
+0.336%Above
Fees
$1,420Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume61
Mix11.1%
Spread
+0.618%Above
Fees
$61Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume457
Mix82.9%
Spread
+0.386%Above
Fees
$1,312Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume94
Mix17.1%
Spread
+0.223%Above
Fees
$1,362Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
551
Applications
646
Volume
$128 million
Pricing & Closing
Avg Rate Spread
+0.360%
vs. market APOR
Avg Net Fees
$1,320
Origination − Credits
Pullthrough Rate
85.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$233,621
Avg Borrower Income
$116,414
Avg Property Value
$300,590

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

18
18 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest7
ILINKSMIMNMOWI
South6
ALFLGAOKTNVA
West4
AZCACOID

Top Metro Areas by Place Specialization Score

Volume 311Mix 56.44% of portfolio
99/100
Exceptional
Volume 94Mix 17.06% of portfolio
85/100
Exceptional
Volume 27Mix 4.90% of portfolio
55/100
Sound
Volume 17Mix 3.09% of portfolio
52/100
Sound
5© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 14Mix 2.54% of portfolio
43/100
Sound

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 466Mix 84.57% of portfolio
81/100
Exceptional
Michigan
Michigan
2
MichiganState
Volume 42Mix 7.62% of portfolio
53/100
Sound
Arizona
Arizona
3
ArizonaState
Volume 17Mix 3.09% of portfolio
44/100
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.

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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.