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We analyzed every closed loan from United Federal Credit Union — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Strong
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · Jumbo
Place
Strong
Near-National · 8 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
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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
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Report Card
United Federal Credit Union performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive +12.7 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Near-National9 markets | |
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 |
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 |
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
States Served
27
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ARCAFLGAIDILINMAMDMIMNMOMTNCNJNVOHOKPARISCTNTXVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Niles, MI, MIMSA
Volume: 238Mix: 22.80%of portfolio
Place
Exceptional2
Asheville, NC, NCMSA
Volume: 125Mix: 11.97%of portfolio
Place
Exceptional3
Reno, NV, NVMSA
Volume: 91Mix: 8.72%of portfolio
Place
Strong4
South Bend, IN-MIMSA
Volume: 86Mix: 8.24%of portfolio
Place
Strong5
Fort Smith, AR, AR-OKMSA
Volume: 51Mix: 4.89%of portfolio
Place
Strong6
Fayetteville, ARMSA
Volume: 62Mix: 5.94%of portfolio
Place
Strong7
Grand Rapids, MIMSA
Volume: 74Mix: 7.09%of portfolio
Place
Strong8
Elkhart, INMSA
Volume: 12Mix: 1.15%of portfolio
Place
SoundTop States by Place Specialization Score
1
MIState
Volume: 401Mix: 38.41%of portfolio
Place
Strong2
NVState
Volume: 122Mix: 11.69%of portfolio
Place
Strong3
ARState
Volume: 115Mix: 11.02%of portfolio
Place
Strong4
NCState
Volume: 166Mix: 15.90%of portfolio
Place
Strong5
INState
Volume: 88Mix: 8.43%of portfolio
Place
Strong6
OHState
Volume: 63Mix: 6.03%of portfolio
Place
Sound7
PAState
Volume: 18Mix: 1.72%of portfolio
Place
Sound8
SCState
Volume: 15Mix: 1.44%of portfolio
Place
Sound9
OKState
Volume: 12Mix: 1.15%of portfolio
Place
SoundHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.