We analyzed every closed loan from SEFCU Services — 2.7k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Single State · 7 mkts
Awards
Conventional
Champion
FHA
Champion
VA
Champion
Purchase
Champion
Refinance
Champion
Jumbo
Superstar
Summary
What They Do Well
- Offers rates 20.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
SEFCU Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 20.6 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,471 | 92.0% | -0.217%Below | $1,326Fees | ||||
FHA Loans | 154 | 5.7% | +0.041%Above | $1,214Fees | ||||
VA Loans | 33 | 1.2% | -0.762%Below | $949Fees | ||||
Jumbo Loans | 25 | 0.9% | -0.204%Below | $1,881Fees |
Conventional
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume2,471
Mix92.0%
Spread
-0.217%Below
Fees
$1,326Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume154
Mix5.7%
Spread
+0.041%Above
Fees
$1,214Fees
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume33
Mix1.2%
Spread
-0.762%Below
Fees
$949Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume25
Mix0.9%
Spread
-0.204%Below
Fees
$1,881Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,485 | 92.5% | -0.209%Below | $1,327Fees | ||||
Refinance | 201 | 7.5% | -0.174%Below | $1,258Fees |
Purchase
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume2,485
Mix92.5%
Spread
-0.209%Below
Fees
$1,327Fees
Refinance
OverallExceptional
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume201
Mix7.5%
Spread
-0.174%Below
Fees
$1,258Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,686
Applications
3,080
Volume
$794 million
Pricing & Closing
Avg Rate Spread
-0.206%
vs. market APOR
Avg Net Fees
$1,322
Origination − Credits
Pullthrough Rate
87.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$295,808
Avg Borrower Income
$134,917
Avg Property Value
$371,567
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Northeast1
NY
Top Metro Areas by Place Specialization Score
Volume 1,853Mix 68.99% of portfolio
100/100
Exceptional
Volume 316Mix 11.76% of portfolio
86/100
Exceptional
Volume 101Mix 3.76% of portfolio
82/100
Exceptional
Volume 60Mix 2.23% of portfolio
74/100
Strong
Volume 67Mix 2.49% of portfolio
72/100
Strong
Volume 94Mix 3.50% of portfolio
66/100
Strong
Volume 10Mix 0.37% of portfolio
39/100
AcceptableTop States by Place Specialization Score
1
New YorkState
Volume 2,686Mix 100.00% of portfolio
96/100
ExceptionalHow 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.