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United Nations Federal Credit Union
Credit Union|New York, NY|Near-National
Loans Originated
933
Applications
1,476
Volume
$613 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards💎Jumbo Champion⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.484%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$76
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
63.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 48.40 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
United Nations Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 15 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$657,272
Average Borrower Income
$274,625
Average Property Value
$937,176
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Exceptional | Acceptable | 791 | 84.8% | -0.477% | $108 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 142 | 15.2% | -0.523% | -$122 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Acceptable | 794 | 85.1% | -0.474% | $511 |
Refinance | Strong | Strong | Exceptional | Sound | 139 | 14.9% | -0.537% | -$2,420 |
Geographic Coverage
Metro Areas
14
States Served
31
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARAZCACOCTDCDEFLGAILKSKYMAMDMIMNNCNHNJNVNYORPARISCTNTXUTVAWAWV
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 272Mix: 29.15%
Place Specialization
Strong
2
Arlington, VA-WVMSA
Volume: 149Mix: 15.97%
Place Specialization
Strong
3
Frederick, MDMSA
Volume: 55Mix: 5.89%
Place Specialization
Strong
4
Washington, DC, DC-MDMSA
Volume: 54Mix: 5.79%
Place Specialization
Strong
5
Newark, NJ, NJMSA
Volume: 39Mix: 4.18%
Place Specialization
Sound
6
Lakewood, NJMSA
Volume: 41Mix: 4.39%
Place Specialization
Sound
7
Cambridge, MAMSA
Volume: 26Mix: 2.79%
Place Specialization
Sound
8
Nassau County, NYMSA
Volume: 22Mix: 2.36%
Place Specialization
Sound
9
Boston, MA, MAMSA
Volume: 19Mix: 2.04%
Place Specialization
Sound
10
Trenton, NJMSA
Volume: 12Mix: 1.29%
Place Specialization
Sound
Showing 10 of 14 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 253Mix: 27.12%
Place Specialization
Strong
2
NJState
Volume: 154Mix: 16.51%
Place Specialization
Strong
3
VAState
Volume: 164Mix: 17.58%
Place Specialization
Strong
4
DCState
Volume: 40Mix: 4.29%
Place Specialization
Strong
5
MDState
Volume: 85Mix: 9.11%
Place Specialization
Strong
6
MAState
Volume: 50Mix: 5.36%
Place Specialization
Sound
7
NCState
Volume: 35Mix: 3.75%
Place Specialization
Sound
8
CTState
Volume: 20Mix: 2.14%
Place Specialization
Sound
9
FLState
Volume: 35Mix: 3.75%
Place Specialization
Sound
10
GAState
Volume: 11Mix: 1.18%
Place Specialization
Acceptable
Showing 10 of 13 states
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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