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SUPERIOR CREDIT UNION, INC.
Credit Union|LIMA, OH|Multi-Region
Loans Originated
644
Applications
1,647
Volume
$132 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.262%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,202
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
39.1%
Percentage of applications that result in closed loans
Report Card
SUPERIOR CREDIT UNION, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 4 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$206,506
Average Borrower Income
$109,894
Average Property Value
$273,773
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 636 | 98.8% | +0.269% | $1,198 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 541 | 84.0% | +0.232% | $1,238 |
Refinance | Sound | Strong | Sound | Sound | 103 | 16.0% | +0.455% | $979 |
Geographic Coverage
Metro Areas
3
States Served
14
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZFLGAINKYMIMONCOHORSCTNTXVA
Top Metro Areas by Place Specialization Score
1
Lima, OH, OHMSA
Volume: 189Mix: 29.35%
Place Specialization
Exceptional
2
Cincinnati, OHMSA
Volume: 85Mix: 13.20%
Place Specialization
Strong
3
Toledo, OH, OHMSA
Volume: 18Mix: 2.80%
Place Specialization
Sound
Top States by Place Specialization Score
1
OHState
Volume: 613Mix: 95.19%
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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