United 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
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
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 9 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 | 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
27Northeast4
MANJPARI
Midwest7
ILINMIMNMOOHWI
South11
ARFLGAMDNCOKSCTNTXVAWV
West5
CAIDMTNVWA
Top Metro Areas by Place Specialization Score
Volume 238Mix 22.80% of portfolio
100/100
Exceptional
Volume 125Mix 11.97% of portfolio
88/100
Exceptional
Volume 91Mix 8.72% of portfolio
77/100
Strong
Volume 86Mix 8.24% of portfolio
75/100
Strong
Volume 51Mix 4.89% of portfolio
65/100
Strong
Volume 62Mix 5.94% of portfolio
64/100
Strong
Volume 74Mix 7.09% of portfolio
63/100
Strong
Volume 12Mix 1.15% of portfolio
44/100
SoundTop States by Place Specialization Score
1
MichiganState
Volume 401Mix 38.41% of portfolio
77/100
Strong2
NevadaState
Volume 122Mix 11.69% of portfolio
71/100
Strong3
ArkansasState
Volume 115Mix 11.02% of portfolio
67/100
Strong4
North CarolinaState
Volume 166Mix 15.90% of portfolio
65/100
Strong5
IndianaState
Volume 88Mix 8.43% of portfolio
60/100
Strong6
OhioState
Volume 63Mix 6.03% of portfolio
55/100
Sound7
PennsylvaniaState
Volume 18Mix 1.72% of portfolio
42/100
Sound8
South CarolinaState
Volume 15Mix 1.44% of portfolio
41/100
Sound9
OklahomaState
Volume 12Mix 1.15% of portfolio
41/100
SoundHow 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.