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UNITED FEDERAL CREDIT UNION
Credit Union|Saint Joseph, MI|Near-National
Loans Originated
1,044
Applications
1,464
Volume
$331 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.127%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,540
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
- Nationwide availability with consistent service
Report Card
UNITED FEDERAL CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 9 metro areas · 27 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$317,452
Average Borrower Income
$141,284
Average Property Value
$426,724
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 932 | 89.3% | +0.097% | $1,502 |
FHA Loans | Strong | Strong | Strong | Sound | 63 | 6.0% | +0.487% | $1,800 |
Jumbo Loans | Strong | Strong | N/A | Strong | 38 | 3.6% | +0.275% | $2,177 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 870 | 83.3% | +0.163% | $1,504 |
Refinance | Strong | Strong | Strong | Strong | 174 | 16.7% | -0.053% | $1,721 |
Geographic Coverage
Metro Areas
8
States Served
27
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ARCAFLGAIDILINMAMDMIMNMOMTNCNJNVOHOKPARISCTNTXVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Niles, MI, MIMSA
Volume: 238Mix: 22.80%
Place Specialization
Exceptional
2
Asheville, NC, NCMSA
Volume: 125Mix: 11.97%
Place Specialization
Exceptional
3
Reno, NV, NVMSA
Volume: 91Mix: 8.72%
Place Specialization
Strong
4
South Bend, IN-MIMSA
Volume: 86Mix: 8.24%
Place Specialization
Strong
5
Fort Smith, AR, AR-OKMSA
Volume: 51Mix: 4.89%
Place Specialization
Strong
6
Fayetteville, ARMSA
Volume: 62Mix: 5.94%
Place Specialization
Strong
7
Grand Rapids, MIMSA
Volume: 74Mix: 7.09%
Place Specialization
Strong
8
Elkhart, INMSA
Volume: 12Mix: 1.15%
Place Specialization
Sound
Top States by Place Specialization Score
1
MIState
Volume: 401Mix: 38.41%
Place Specialization
Strong
2
NVState
Volume: 122Mix: 11.69%
Place Specialization
Strong
3
ARState
Volume: 115Mix: 11.02%
Place Specialization
Strong
4
NCState
Volume: 166Mix: 15.90%
Place Specialization
Strong
5
INState
Volume: 88Mix: 8.43%
Place Specialization
Strong
6
OHState
Volume: 63Mix: 6.03%
Place Specialization
Sound
7
PAState
Volume: 18Mix: 1.72%
Place Specialization
Sound
8
SCState
Volume: 15Mix: 1.44%
Place Specialization
Sound
9
OKState
Volume: 12Mix: 1.15%
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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