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SPOKANE TEACHERS
Credit Union|Liberty Lake, WA|Regional
Loans Originated
399
Applications
666
Volume
$133 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.338%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,432
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pricing may be below industry average
Report Card
SPOKANE TEACHERS performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 4 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$335,401
Average Borrower Income
$128,840
Average Property Value
$507,556
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 388 | 97.2% | +0.338% | $3,407 |
Jumbo Loans | Sound | Sound | N/A | N/A | 11 | 2.8% | +0.310% | $5,247 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 305 | 76.4% | +0.285% | $3,544 |
Refinance | Sound | Strong | Acceptable | Sound | 94 | 23.6% | +0.511% | $3,067 |
Geographic Coverage
Metro Areas
3
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
IDMTORWA
Top Metro Areas by Place Specialization Score
1
Spokane, WAMSA
Volume: 264Mix: 66.17%
Place Specialization
Exceptional
2
Coeur d'Alene, ID, IDMSA
Volume: 33Mix: 8.27%
Place Specialization
Strong
3
Kennewick, WAMSA
Volume: 20Mix: 5.01%
Place Specialization
Sound
Top States by Place Specialization Score
1
WAState
Volume: 339Mix: 84.96%
Place Specialization
Exceptional
2
IDState
Volume: 52Mix: 13.03%
Place Specialization
Sound
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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