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RELIANT COMMUNITY FEDERAL CREDIT UNION
Credit Union|Sodus, NY|Single State
Loans Originated
188
Applications
224
Volume
$29 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.310%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$699
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
83.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
Report Card
RELIANT COMMUNITY FEDERAL CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Single State · 1 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$158,298
Average Borrower Income
$94,463
Average Property Value
$227,394
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Strong | Strong | 188 | 100.0% | +0.310% | $699 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Strong | 117 | 62.2% | -0.056% | $944 |
Refinance | Sound | Strong | Acceptable | Exceptional | 71 | 37.8% | +0.790% | $378 |
Geographic Coverage
Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
NY
Top Metro Areas by Place Specialization Score
1
Rochester, NY, NYMSA
Volume: 175Mix: 93.09%
Place Specialization
Strong
Top States by Place Specialization Score
1
NYState
Volume: 188Mix: 100.00%
Place Specialization
Strong
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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