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802 Credit Union

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802 Credit Union has 147 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
Conventional
Place
Active
Regional
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

802 Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
141 loans
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
97 loans
Sound
Top 60% of lenders
3/5
Refinance
50 loans
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing—
Pull Through
Exceptional
Volume141
Mix95.9%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing—
Pull Through
Strong
Volume97
Mix66.0%
Spread—
Fees—
Refinance
Overall
Strong
Product
Sound
Pricing—
Pull Through
Exceptional
Volume50
Mix34.0%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
147
Applications
147
Volume
$40 million
Pricing & Closing
Pullthrough Rate
100.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$276,497
Avg Borrower Income
$138,490
Avg Property Value
$406,020

Geographic Coverage

Geographic Performance

Metro Areas
0
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
N/A

States with Loan Originations

3Full-year 2024 · HMDA
3 states with loan originations
Loans originated
< 2020+None
Northeast3
MANHVT

Top States by Place Specialization Score

Vermont
Vermont
1
VermontState
Volume 118Mix 80.27% of portfolio
78/100
Strong
New Hampshire
New Hampshire
2
New HampshireState
Volume 25Mix 17.01% of portfolio
57/100
Sound

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
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 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.