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Aberdeen Proving Ground Federal Credit Union

Credit UnionEdgewood, MDHQDirectReviews near you on Google

Aberdeen Proving Ground Federal Credit Union has 251 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
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 25.80 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Aberdeen Proving Ground Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 25.8 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
242 loans · 0.27% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
148 loans · 0.31% below market
Sound
Top 60% of lenders
3/5
Refinance
103 loans · 0.18% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume242
Mix96.4%
Spread
-0.266%Below
Fees
$885Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume148
Mix59.0%
Spread
-0.309%Below
Fees
$1,346Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume103
Mix41.0%
Spread
-0.181%Below
Fees
$368Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
251
Applications
317
Volume
$62 million
Pricing & Closing
Avg Rate Spread
-0.258%
vs. market APOR
Avg Net Fees
$955
Origination − Credits
Pullthrough Rate
79.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$250,777
Avg Borrower Income
$121,267
Avg Property Value
$395,159

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
< 1010+None
Northeast2
NJPA
South5
DEFLMDSCVA

Top Metro Areas by Place Specialization Score

Volume 139Mix 55.38% of portfolio
77/100
Strong
2© Bjoertvedt · CC BY-SA 4.0
Wilmington, DEMetro
Volume 75Mix 29.88% of portfolio
72/100
Strong

Top States by Place Specialization Score

Maryland
Maryland
1
MarylandState
Volume 218Mix 86.85% of portfolio
77/100
Strong
Delaware
Delaware
2
DelawareState
Volume 13Mix 5.18% of portfolio
46/100
Sound
Pennsylvania
Pennsylvania
3
PennsylvaniaState
Volume 12Mix 4.78% of portfolio
41/100
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.