What loan types does 4Front Credit Union offer?

4Front Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does 4Front Credit Union offer mortgages?

4Front Credit Union offers mortgages in 1 states: MI.

How competitive are 4Front Credit Union's mortgage rates?

4Front Credit Union has an overall pricing score of 34.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is 4Front Credit Union?

4Front Credit Union is a Credit Union headquartered in Traverse City, MI.

Unclaimed

4Front Credit Union

Credit Union•Traverse City, MIHQ•Direct•Reviews near you on Google

4Front Credit Union has 137 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 51 basis points above market average

Explore another lender or local market

Report Card

4Front Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+50.7 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

136 loans · 0.51% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

80 loans · 0.51% above market

Sound

Top 60% of lenders

3/5

Refinance

57 loans · 0.51% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	136	99.3%	+0.514%Above	$1,310Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume136

Mix99.3%

Spread

+0.514%Above

Fees

$1,310Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	80	58.4%	+0.507%Above	$1,292Fees
Refinance	Sound	Sound	Acceptable	Strong	57	41.6%	+0.508%Above	$1,400Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume80

Mix58.4%

Spread

+0.507%Above

Fees

$1,292Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume57

Mix41.6%

Spread

+0.508%Above

Fees

$1,400Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

137

Applications

206

Volume

$24 million

Pricing & Closing

Avg Rate Spread

+0.507%

vs. market APOR

Avg Net Fees

$1,335

Origination − Credits

Pullthrough Rate

66.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$180,620

Avg Borrower Income

$94,788

Avg Property Value

$271,277

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest1

Top Metro Areas by Place Specialization Score

Traverse City, MIMetro

Volume 30Mix 21.90% of portfolio

71/100

Strong

Top States by Place Specialization Score

MichiganState

Volume 137Mix 100.00% of portfolio

71/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.

Looking for a different lender?

Are you the owner of 4Front Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.