What loan types does STANFORD Federal Credit Union offer?

STANFORD Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does STANFORD Federal Credit Union offer mortgages?

STANFORD Federal Credit Union offers mortgages in 22 states: AR, AZ, CA, CO, CT, FL, GA, IL, MN, MO, MT, NC, NJ, NM, NV, NY, OH, OR, PA, TX, VA, WA.

How competitive are STANFORD Federal Credit Union's mortgage rates?

STANFORD Federal Credit Union has an overall pricing score of 58.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is STANFORD Federal Credit Union?

STANFORD Federal Credit Union is a Credit Union headquartered in Palo Alto, CA.

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STANFORD Federal Credit Union

Credit Union•Palo Alto, CAHQ•Direct•Reviews near you on Google

STANFORD Federal Credit Union has 324 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 3 mkts

Awards

Jumbo

Superstar

Explore another lender or local market

Report Card

STANFORD Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 33.9 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 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	Sound	Sound	Strong	Sound	240	74.1%	-0.335%Below	$800Fees
Jumbo Loans	Strong	Strong	Strong	Strong	84	25.9%	-0.350%Below	$293Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume240

Mix74.1%

Spread

-0.335%Below

Fees

$800Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume84

Mix25.9%

Spread

-0.350%Below

Fees

$293Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	285	88.0%	-0.330%Below	$656Fees
Refinance	Sound	Sound	Sound	Strong	39	12.0%	-0.406%Below	$692Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume285

Mix88.0%

Spread

-0.330%Below

Fees

$656Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume39

Mix12.0%

Spread

-0.406%Below

Fees

$692Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

324

Applications

404

Volume

$274 million

Pricing & Closing

Avg Rate Spread

-0.339%

vs. market APOR

Avg Net Fees

$661

Origination − Credits

Pullthrough Rate

80.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$848,426

Avg Borrower Income

$358,670

Avg Property Value

$1,561,759

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast4

CTNJNYPA

Midwest4

ILMNMOOH

South6

ARFLGANCTXVA

West8

AZCACOMTNMNVORWA

Top Metro Areas by Place Specialization Score

San Jose, CAMetro

Volume 94Mix 29.01% of portfolio

75/100

Strong

San Francisco, CAMetro

Volume 67Mix 20.68% of portfolio

75/100

Strong

Oakland, CAMetro

Volume 32Mix 9.88% of portfolio

59/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 253Mix 78.09% of portfolio

71/100

Strong

TexasState

Volume 14Mix 4.32% of portfolio

39/100

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.