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Orion Federal Credit Union
Credit Union|Memphis, TN|Multi-Region
Loans Originated
197
Applications
274
Volume
$61 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.126%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$475
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 12.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
Report Card
Orion Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 3 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$313,629
Average Borrower Income
$164,675
Average Property Value
$396,015
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Sound | 149 | 75.6% | -0.137% | $527 |
FHA Loans | Strong | Strong | Exceptional | Strong | 45 | 22.8% | -0.103% | $334 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Sound | 165 | 83.8% | -0.125% | $513 |
Refinance | Strong | Sound | Exceptional | Sound | 32 | 16.2% | -0.130% | $266 |
Geographic Coverage
Metro Areas
2
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARMSOKTNVA
Top Metro Areas by Place Specialization Score
1
Memphis, TNMSA
Volume: 156Mix: 79.19%
Place Specialization
Exceptional
2
Jackson, TN, TNMSA
Volume: 16Mix: 8.12%
Place Specialization
Sound
Top States by Place Specialization Score
1
TNState
Volume: 169Mix: 85.79%
Place Specialization
Strong
2
MSState
Volume: 16Mix: 8.12%
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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