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Y-12 Federal Credit Union
Credit Union|Oak Ridge, TN|Single State
Loans Originated
217
Applications
297
Volume
$57 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.018%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,873
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Pricing may be below industry average
Report Card
Y-12 Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Single State · 2 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$263,848
Average Borrower Income
$112,074
Average Property Value
$392,419
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Strong | 210 | 96.8% | -0.035% | $2,847 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Sound | 123 | 56.7% | +0.064% | $3,338 |
Refinance | Strong | Strong | Sound | Strong | 94 | 43.3% | -0.123% | $2,277 |
Geographic Coverage
Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
TN
Top Metro Areas by Place Specialization Score
1
Knoxville, TN, TNMSA
Volume: 183Mix: 84.33%
Place Specialization
Exceptional
Top States by Place Specialization Score
1
TNState
Volume: 217Mix: 100.00%
Place Specialization
Strong
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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