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Claim this ProfileUnited Federal Credit Union
We analyzed every closed loan from United Federal Credit Union — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Near-National · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
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
Explore another lender or local market
Report Card
United Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+12.7 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
932 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
FHA
63 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
Jumbo
38 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
870 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
Refinance
174 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 9 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 932 | 89.3% | +0.097%Above | $1,502Fees | ||||
FHA Loans | 63 | 6.0% | +0.487%Above | $1,800Fees | ||||
Jumbo Loans | — | 38 | 3.6% | +0.275%Above | $2,177Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume932
Mix89.3%
Spread
+0.097%Above
Fees
$1,502Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume63
Mix6.0%
Spread
+0.487%Above
Fees
$1,800Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume38
Mix3.6%
Spread
+0.275%Above
Fees
$2,177Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 870 | 83.3% | +0.163%Above | $1,504Fees | ||||
Refinance | 174 | 16.7% | -0.053%Below | $1,721Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume870
Mix83.3%
Spread
+0.163%Above
Fees
$1,504Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume174
Mix16.7%
Spread
-0.053%Below
Fees
$1,721Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,044
Applications
1,464
Volume
$331 million
Pricing & Closing
Avg Rate Spread
+0.127%
vs. market APOR
Avg Net Fees
$1,540
Origination − Credits
Pullthrough Rate
71.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$317,452
Avg Borrower Income
$141,284
Avg Property Value
$426,724
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
27
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
27Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast4
MANJPARI
Midwest7
ILINMIMNMOOHWI
South11
ARFLGAMDNCOKSCTNTXVAWV
West5
CAIDMTNVWA
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.