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NOTRE DAME FEDERAL CREDIT UNION CORPORATION
Credit Union|Notre Dame, IN|Multi-Region
Loans Originated
551
Applications
646
Volume
$128 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.360%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,320
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
85.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
Report Card
NOTRE DAME FEDERAL CREDIT UNION CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | 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 · 6 metro areas · 18 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$233,621
Average Borrower Income
$116,414
Average Property Value
$300,590
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Exceptional | 486 | 88.2% | +0.336% | $1,420 |
FHA Loans | Strong | Strong | Strong | Exceptional | 61 | 11.1% | +0.618% | $61 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 457 | 82.9% | +0.386% | $1,312 |
Refinance | Strong | Strong | Strong | Exceptional | 94 | 17.1% | +0.223% | $1,362 |
Geographic Coverage
Metro Areas
5
States Served
18
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
South Bend, IN-MIMSA
Volume: 311Mix: 56.44%
Place Specialization
Exceptional
2
Elkhart, INMSA
Volume: 94Mix: 17.06%
Place Specialization
Exceptional
3
Fort Wayne, IN, INMSA
Volume: 27Mix: 4.90%
Place Specialization
Sound
4
Niles, MI, MIMSA
Volume: 17Mix: 3.09%
Place Specialization
Sound
5
Phoenix, AZMSA
Volume: 14Mix: 2.54%
Place Specialization
Sound
Top States by Place Specialization Score
1
INState
Volume: 466Mix: 84.57%
Place Specialization
Exceptional
2
MIState
Volume: 42Mix: 7.62%
Place Specialization
Sound
3
AZState
Volume: 17Mix: 3.09%
Place Specialization
Sound
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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