What loan types does Ascend Federal Credit Union offer?

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

Where does Ascend Federal Credit Union offer mortgages?

Ascend Federal Credit Union offers mortgages in 5 states: AL, FL, GA, KY, TN.

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

Ascend Federal Credit Union has an overall pricing score of 90.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Ascend Federal Credit Union?

Ascend Federal Credit Union is a Credit Union headquartered in Tullahoma, TN.

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Ascend Federal Credit Union

Credit Union•Tullahoma, TNHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Ascend Federal Credit Union — 477 loans across 767 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 69.30 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Ascend Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 69.3 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

460 loans · 0.69% below market

Sound

Top 60% of lenders

3/5

Jumbo

14 loans · 1.00% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

286 loans · 0.83% below market

Sound

Top 60% of lenders

3/5

Refinance

191 loans · 0.50% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 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	Strong	Sound	Exceptional	Sound	460	96.4%	-0.690%Below	$574Fees
Jumbo Loans	Strong	Strong	—	—	14	2.9%	-1.001%Below	$590Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume460

Mix96.4%

Spread

-0.690%Below

Fees

$574Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume14

Mix2.9%

Spread

-1.001%Below

Fees

$590Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Acceptable	286	60.0%	-0.826%Below	$621Fees
Refinance	Strong	Strong	Exceptional	Sound	191	40.0%	-0.499%Below	$503Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume286

Mix60.0%

Spread

-0.826%Below

Fees

$621Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume191

Mix40.0%

Spread

-0.499%Below

Fees

$503Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

477

Applications

767

Volume

$149 million

Pricing & Closing

Avg Rate Spread

-0.693%

vs. market APOR

Avg Net Fees

$573

Origination − Credits

Pullthrough Rate

62.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$313,679

Avg Borrower Income

$136,073

Avg Property Value

$456,027

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

All statesNone

South5

ALFLGAKYTN

Top Metro Areas by Place Specialization Score

Nashville, TNMetro

Volume 239Mix 50.10% of portfolio

83/100

Exceptional

Top States by Place Specialization Score

TennesseeState

Volume 457Mix 95.81% of portfolio

84/100

Exceptional

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.