United Nations Federal Credit Union
We analyzed every closed loan from United Nations Federal Credit Union — 933 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
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 14 mkts
Awards
Jumbo
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 48.40 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
United Nations Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 48.4 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 15 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 791 | 84.8% | -0.477%Below | $108Fees | ||||
Jumbo Loans | 142 | 15.2% | -0.523%Below | $122Credit |
Conventional
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume791
Mix84.8%
Spread
-0.477%Below
Fees
$108Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume142
Mix15.2%
Spread
-0.523%Below
Fees
$122Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 794 | 85.1% | -0.474%Below | $511Fees | ||||
Refinance | 139 | 14.9% | -0.537%Below | $2,420Credit |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume794
Mix85.1%
Spread
-0.474%Below
Fees
$511Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume139
Mix14.9%
Spread
-0.537%Below
Fees
$2,420Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
933
Applications
1,476
Volume
$613 million
Pricing & Closing
Avg Rate Spread
-0.484%
vs. market APOR
Avg Net Fees
$76
Origination − Credits
Pullthrough Rate
63.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$657,272
Avg Borrower Income
$274,625
Avg Property Value
$937,176
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
31Northeast7
CTMANHNJNYPARI
Midwest4
ILKSMIMN
South13
ARDCDEFLGAKYMDNCSCTNTXVAWV
West7
AZCACONVORUTWA
Top Metro Areas by Place Specialization Score
Volume 272Mix 29.15% of portfolio
79/100
Strong
Volume 149Mix 15.97% of portfolio
73/100
Strong
Volume 55Mix 5.89% of portfolio
67/100
Strong
Volume 54Mix 5.79% of portfolio
65/100
Strong
Volume 39Mix 4.18% of portfolio
59/100
Sound
Volume 41Mix 4.39% of portfolio
58/100
Sound
Volume 26Mix 2.79% of portfolio
51/100
Sound
Volume 22Mix 2.36% of portfolio
50/100
Sound
Volume 19Mix 2.04% of portfolio
48/100
Sound
Volume 12Mix 1.29% of portfolio
46/100
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
New YorkState
Volume 253Mix 27.12% of portfolio
73/100
Strong2
New JerseyState
Volume 154Mix 16.51% of portfolio
70/100
Strong3
VirginiaState
Volume 164Mix 17.58% of portfolio
70/100
Strong4
Washington, DCState
Volume 40Mix 4.29% of portfolio
63/100
Strong5
MarylandState
Volume 85Mix 9.11% of portfolio
62/100
Strong6
MassachusettsState
Volume 50Mix 5.36% of portfolio
56/100
Sound7
North CarolinaState
Volume 35Mix 3.75% of portfolio
48/100
Sound8
ConnecticutState
Volume 20Mix 2.14% of portfolio
46/100
Sound9
FloridaState
Volume 35Mix 3.75% of portfolio
45/100
Sound10
GeorgiaState
Volume 11Mix 1.18% of portfolio
37/100
AcceptableShowing 10 of 13 states
How 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.