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REDSTONE Federal Credit Union

Credit Union•Huntsville, ALHQ•Direct•Reviews near you on Google

We analyzed every closed loan from REDSTONE Federal Credit Union — 760 loans across 1k 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

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Report Card

REDSTONE Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+20.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
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
Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume643
Mix84.6%
Spread
+0.248%Above
Fees
$1,235Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume45
Mix5.9%
Spread
+0.392%Above
Fees
$1,484Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume61
Mix8.0%
Spread
-0.373%Below
Fees
$1,463Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume526
Mix69.2%
Spread
+0.194%Above
Fees
$1,322Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume234
Mix30.8%
Spread
+0.239%Above
Fees
$1,181Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
760
Applications
1,286
Volume
$183 million
Pricing & Closing
Avg Rate Spread
+0.209%
vs. market APOR
Avg Net Fees
$1,275
Origination − Credits
Pullthrough Rate
59.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$241,197
Avg Borrower Income
$110,697
Avg Property Value
$333,684

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
ALTN

Top Metro Areas by Place Specialization Score

1© Unknown authorUnknown author · Public domain
Huntsville, ALMetro
Volume 400Mix 52.63% of portfolio
100/100
Exceptional
2© Dan · CC BY 2.0
Decatur, ALMetro
Volume 100Mix 13.16% of portfolio
98/100
Exceptional
3© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 46Mix 6.05% of portfolio
59/100
Sound
4© Eric in SF · CC BY-SA 3.0
Birmingham, ALMetro
Volume 11Mix 1.45% of portfolio
42/100
Sound

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 651Mix 85.66% of portfolio
92/100
Exceptional
Tennessee
Tennessee
2
TennesseeState
Volume 109Mix 14.34% of portfolio
65/100
Strong

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.