ASSEMBLIES OF GOD Credit Union
ASSEMBLIES OF GOD Credit Union has 310 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
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 2 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
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Report Card
ASSEMBLIES OF GOD Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+18.7 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
270 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
FHA
27 loans · 0.12% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
222 loans · 0.22% above market
Sound
Top 60% of lenders
3/5
Refinance
88 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 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 | 270 | 87.1% | +0.228%Above | $1,054Fees | ||||
FHA Loans | 27 | 8.7% | +0.120%Above | $1,555Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume270
Mix87.1%
Spread
+0.228%Above
Fees
$1,054Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume27
Mix8.7%
Spread
+0.120%Above
Fees
$1,555Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 222 | 71.6% | +0.216%Above | $1,198Fees | ||||
Refinance | 88 | 28.4% | +0.105%Above | $784Fees |
Purchase
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume222
Mix71.6%
Spread
+0.216%Above
Fees
$1,198Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume88
Mix28.4%
Spread
+0.105%Above
Fees
$784Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
310
Applications
357
Volume
$81 million
Pricing & Closing
Avg Rate Spread
+0.187%
vs. market APOR
Avg Net Fees
$1,089
Origination − Credits
Pullthrough Rate
86.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$261,903
Avg Borrower Income
$115,503
Avg Property Value
$357,903
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
20Full-year 2024 · HMDALoans originated
< 200200+None
Northeast1
CT
Midwest7
IAILINKSMONEWI
South10
ALARFLGAKYNCOKTNTXVA
West2
AZNM
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.