We analyzed every closed loan from AMERICU Credit Union — 640 loans across 898 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Single State · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
AMERICU Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+8.5 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
512 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
FHA
99 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
VA
26 loans · 0.50% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
504 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
Refinance
136 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 4 markets
Exceptional
Top 20% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 512 | 80.0% | +0.101%Above | $1,127Fees | ||||
FHA Loans | 99 | 15.5% | +0.122%Above | $1,877Fees | ||||
VA Loans | — | 26 | 4.1% | -0.497%Below | $1,663Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume512
Mix80.0%
Spread
+0.101%Above
Fees
$1,127Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume99
Mix15.5%
Spread
+0.122%Above
Fees
$1,877Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume26
Mix4.1%
Spread
-0.497%Below
Fees
$1,663Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 504 | 78.8% | -0.006%Below | $1,689Fees | ||||
Refinance | 136 | 21.3% | +0.401%Above | $173Credit |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume504
Mix78.8%
Spread
-0.006%Below
Fees
$1,689Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume136
Mix21.3%
Spread
+0.401%Above
Fees
$173Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
640
Applications
898
Volume
$131 million
Pricing & Closing
Avg Rate Spread
+0.085%
vs. market APOR
Avg Net Fees
$1,274
Origination − Credits
Pullthrough Rate
71.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$206,188
Avg Borrower Income
$121,280
Avg Property Value
$268,281
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
< 500500+None
Northeast1
NY
Top Metro Areas by Place Specialization Score
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.
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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.