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Sandia Laboratory Federal Credit Union

Credit Union•Albuquerque, NMHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Sandia Laboratory Federal Credit Union — 418 loans across 542 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
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 64.00 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

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Report Card

Sandia Laboratory Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 64.0 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume372
Mix89.0%
Spread
-0.628%Below
Fees
$1,152Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume46
Mix11.0%
Spread
-0.736%Below
Fees
$3,656Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume346
Mix82.8%
Spread
-0.645%Below
Fees
$1,611Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume72
Mix17.2%
Spread
-0.614%Below
Fees
$483Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
418
Applications
542
Volume
$218 million
Pricing & Closing
Avg Rate Spread
-0.640%
vs. market APOR
Avg Net Fees
$1,425
Origination − Credits
Pullthrough Rate
77.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$522,081
Avg Borrower Income
$213,270
Avg Property Value
$692,057

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX
West5
AZCACONMNV

Top Metro Areas by Place Specialization Score

1© Ron Reiring · CC BY 2.0
Albuquerque, NMMetro
Volume 270Mix 64.59% of portfolio
89/100
Exceptional
2© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 60Mix 14.35% of portfolio
67/100
Strong
3© Ben Loomis · CC BY 2.0
San Jose, CAMetro
Volume 23Mix 5.50% of portfolio
54/100
Sound

Top States by Place Specialization Score

New Mexico
New Mexico
1
New MexicoState
Volume 295Mix 70.57% of portfolio
87/100
Exceptional
California
California
2
CaliforniaState
Volume 100Mix 23.92% of portfolio
60/100
Sound
Texas
Texas
3
TexasState
Volume 10Mix 2.39% of portfolio
35/100
Acceptable

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.