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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
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

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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
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders

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

20
20 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
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 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.