What loan types does Associated Credit Union offer?

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

Where does Associated Credit Union offer mortgages?

Associated Credit Union offers mortgages in 6 states: AL, FL, GA, NC, SC, TN.

How competitive are Associated Credit Union's mortgage rates?

Associated Credit Union has an overall pricing score of 52.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Associated Credit Union?

Associated Credit Union is a Credit Union headquartered in Norcross, GA.

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Associated Credit Union

Credit Union•Norcross, GAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Associated Credit Union — 508 loans across 902 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Jumbo

Superstar

Explore another lender or local market

Report Card

Associated Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 125.3 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

476 loans · 1.24% below market

Sound

Top 60% of lenders

3/5

Jumbo

32 loans · 1.54% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

381 loans · 1.32% below market

Sound

Top 60% of lenders

3/5

Refinance

127 loans · 1.02% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 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	Sound	Sound	Sound	Acceptable	476	93.7%	-1.235%Below	$3,934Fees
Jumbo Loans	Strong	Strong	Strong	Strong	32	6.3%	-1.543%Below	$5,639Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume476

Mix93.7%

Spread

-1.235%Below

Fees

$3,934Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume32

Mix6.3%

Spread

-1.543%Below

Fees

$5,639Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	381	75.0%	-1.317%Below	$4,228Fees
Refinance	Sound	Sound	Sound	Sound	127	25.0%	-1.024%Below	$3,331Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume381

Mix75.0%

Spread

-1.317%Below

Fees

$4,228Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume127

Mix25.0%

Spread

-1.024%Below

Fees

$3,331Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

508

Applications

902

Volume

$208 million

Pricing & Closing

Avg Rate Spread

-1.253%

vs. market APOR

Avg Net Fees

$4,031

Origination − Credits

Pullthrough Rate

56.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$411,358

Avg Borrower Income

$168,909

Avg Property Value

$578,577

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

6Full-year 2024 · HMDA

Loans originated

< 1010+None

South6

ALFLGANCSCTN

Top Metro Areas by Place Specialization Score

Atlanta, GAMetro

Volume 311Mix 61.22% of portfolio

83/100

Exceptional

Marietta, GAMetro

Volume 102Mix 20.08% of portfolio

75/100

Strong

Augusta, GA-SCMetro

Volume 20Mix 3.94% of portfolio

54/100

Sound

Top States by Place Specialization Score

GeorgiaState

Volume 481Mix 94.69% of portfolio

82/100

Exceptional

FloridaState

Volume 11Mix 2.17% of portfolio

35/100

Acceptable

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.