What loan types does Apple Federal Credit Union offer?

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

Where does Apple Federal Credit Union offer mortgages?

Apple Federal Credit Union offers mortgages in 5 states: DC, MD, NC, VA, WV.

How competitive are Apple Federal Credit Union's mortgage rates?

Apple Federal Credit Union has an overall pricing score of 71.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Apple Federal Credit Union?

Apple Federal Credit Union is a Credit Union headquartered in Fairfax, VA.

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Apple Federal Credit Union

Credit Union•Fairfax, VAHQ•Direct•Reviews near you on Google

Apple Federal Credit Union has 263 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

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 7.10 basis points below market average
Strong pull through performance

Explore another lender or local market

Report Card

Apple Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 7.1 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

260 loans · 0.07% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

198 loans · 0.06% below market

Sound

Top 60% of lenders

3/5

Refinance

65 loans · 0.10% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	260	98.9%	-0.071%Below	$2,329Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume260

Mix98.9%

Spread

-0.071%Below

Fees

$2,329Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	198	75.3%	-0.057%Below	$1,854Fees
Refinance	Strong	Sound	Strong	Strong	65	24.7%	-0.098%Below	$3,214Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume198

Mix75.3%

Spread

-0.057%Below

Fees

$1,854Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume65

Mix24.7%

Spread

-0.098%Below

Fees

$3,214Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

263

Applications

363

Volume

$110 million

Pricing & Closing

Avg Rate Spread

-0.071%

vs. market APOR

Avg Net Fees

$2,329

Origination − Credits

Pullthrough Rate

72.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$421,654

Avg Borrower Income

$163,198

Avg Property Value

$574,125

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

5Full-year 2024 · HMDA

Loans originated

< 1010–2020+None

South5

DCMDNCVAWV

Top Metro Areas by Place Specialization Score

Arlington, VA-WVMetro

Volume 181Mix 68.82% of portfolio

80/100

Strong

Winchester, VA, VA-WVMetro

Volume 19Mix 7.22% of portfolio

64/100

Strong

Hagerstown, MD-WVMetro

Volume 10Mix 3.80% of portfolio

46/100

Sound

Top States by Place Specialization Score

VirginiaState

Volume 223Mix 84.79% of portfolio

78/100

Strong

MarylandState

Volume 18Mix 6.84% of portfolio

47/100

Sound

West VirginiaState

Volume 13Mix 4.94% of portfolio

47/100

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(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.