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SEFCU SERVICES, LLC
Independent Mortgage Company|ALBANY, NY|Single State
Loans Originated
2,686
Applications
3,080
Volume
$794 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion💎VA Champion💎Purchase Champion⭐FHA Superstar⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.206%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,322
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
87.2%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
SEFCU SERVICES, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Single State · 8 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
$295,808
Average Borrower Income
$134,917
Average Property Value
$371,567
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Exceptional | Strong | Exceptional | 2,471 | 92.0% | -0.217% | $1,326 |
FHA Loans | Strong | Strong | Exceptional | Strong | 154 | 5.7% | +0.041% | $1,214 |
VA Loans | Exceptional | Strong | Exceptional | Exceptional | 33 | 1.2% | -0.762% | $949 |
Jumbo Loans | Strong | Strong | Strong | Strong | 25 | 0.9% | -0.204% | $1,881 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Exceptional | Strong | Exceptional | 2,485 | 92.5% | -0.209% | $1,327 |
Refinance | Strong | Strong | Strong | Exceptional | 201 | 7.5% | -0.174% | $1,258 |
Geographic Coverage
Metro Areas
7
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
Albany, NYMSA
Volume: 1,853Mix: 68.99%
Place Specialization
Exceptional
2
Syracuse, NY, NYMSA
Volume: 316Mix: 11.76%
Place Specialization
Exceptional
3
Utica, NYMSA
Volume: 101Mix: 3.76%
Place Specialization
Exceptional
4
Glens Falls, NY, NYMSA
Volume: 60Mix: 2.23%
Place Specialization
Strong
5
Binghamton, NY, NYMSA
Volume: 67Mix: 2.49%
Place Specialization
Strong
6
Buffalo, NYMSA
Volume: 94Mix: 3.50%
Place Specialization
Strong
7
Nassau County, NYMSA
Volume: 10Mix: 0.37%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
NYState
Volume: 2,686Mix: 100.00%
Place Specialization
Exceptional
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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