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Wright-Patt Credit Union

Credit Union•Beavercreek, OHHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Wright-Patt Credit Union — 2.2k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 5 mkts
Promptness
Doesn't respond
1/5
Hasn't answered a quote request
Safe Rate Awards
Conventional Champion
Conventional
Champion
Purchase Champion
Purchase
Champion
FHA Superstar
FHA
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 38.50 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo loans

Explore another lender or local market

Report Card

Wright-Patt Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 38.5 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,010 loans · 0.43% below market
Exceptional
Top 20% of lenders
5/5
FHA
92 loans · 0.53% above market
Strong
Top 40% of lenders
4/5
VA
35 loans · 0.12% below market
Strong
Top 40% of lenders
4/5
Jumbo
18 loans · 0.82% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,842 loans · 0.45% below market
Exceptional
Top 20% of lenders
5/5
Refinance
317 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume2,010
Mix93.1%
Spread
-0.435%Below
Fees
$387Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume92
Mix4.3%
Spread
+0.533%Above
Fees
$366Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume35
Mix1.6%
Spread
-0.119%Below
Fees
$1,752Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume18
Mix0.8%
Spread
-0.822%Below
Fees
$943Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume1,842
Mix85.3%
Spread
-0.451%Below
Fees
$337Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume317
Mix14.7%
Spread
-0.064%Below
Fees
$764Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
2,159
Applications
2,990
Volume
$523 million
Pricing & Closing
Avg Rate Spread
-0.385%
vs. market APOR
Avg Net Fees
$410
Origination − Credits
Pullthrough Rate
72.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$242,564
Avg Borrower Income
$118,571
Avg Property Value
$302,541

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

20Full-year 2024 · HMDA
20 states with loan originations
Loans originated
< 1010+None
Northeast2
NJPA
Midwest5
INMIMNOHWI
South9
ALFLGAKYNCOKSCTNVA
West4
AZIDUTWA

Top Metro Areas by Place Specialization Score

1© Warren LeMay · CC BY-SA 2.0
Dayton, OHMetro
Volume 1,164Mix 53.91% of portfolio
100/100
Exceptional
2© Matt Turner · CC BY 2.0
Springfield, OHMetro
Volume 194Mix 8.99% of portfolio
100/100
Exceptional
3© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 312Mix 14.45% of portfolio
83/100
Exceptional
4© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 243Mix 11.26% of portfolio
80/100
Exceptional
5© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 10Mix 0.46% of portfolio
39/100
Acceptable

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 2,094Mix 96.99% of portfolio
92/100
Exceptional
Indiana
Indiana
2
IndianaState
Volume 13Mix 0.60% of portfolio
38/100
Acceptable

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
Champion(80%+ = 40-50 points)
Superstar
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.