What loan types does Atlanta Postal offer?

Atlanta Postal offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Atlanta Postal offer mortgages?

Atlanta Postal offers mortgages in 14 states: AL, AR, CA, FL, GA, KY, MD, MI, NC, OK, PA, SC, TN, TX.

How competitive are Atlanta Postal's mortgage rates?

Atlanta Postal has an overall pricing score of 49.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Atlanta Postal?

Atlanta Postal is a Credit Union headquartered in Atlanta, GA.

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Atlanta Postal

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

Atlanta Postal has 71 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

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Atlanta Postal performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 0.3 bps below market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

63 loans · 0.01% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

53 loans · 0.07% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

18 loans · 0.17% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 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	Acceptable	Acceptable	Sound	Mediocre	63	88.7%	+0.007%Above	$1,961Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Mediocre

Volume63

Mix88.7%

Spread

+0.007%Above

Fees

$1,961Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Mediocre	53	74.6%	-0.073%Below	$2,077Fees
Refinance	Mediocre	Acceptable	—	Mediocre	18	25.4%	+0.173%Above	$1,899Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Mediocre

Volume53

Mix74.6%

Spread

-0.073%Below

Fees

$2,077Fees

Refinance

Overall

Mediocre

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume18

Mix25.4%

Spread

+0.173%Above

Fees

$1,899Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

213

Volume

$23 million

Pricing & Closing

Avg Rate Spread

-0.003%

vs. market APOR

Avg Net Fees

$2,027

Origination − Credits

Pullthrough Rate

33.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$326,268

Avg Borrower Income

$151,197

Avg Property Value

$526,972

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

14Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Midwest1

South11

ALARFLGAKYMDNCOKSCTNTX

West1

Top Metro Areas by Place Specialization Score

Atlanta, GAMetro

Volume 21Mix 29.58% of portfolio

55/100

Sound

Marietta, GAMetro

Volume 10Mix 14.08% of portfolio

47/100

Sound

Top States by Place Specialization Score

GeorgiaState

Volume 42Mix 59.15% of portfolio

60/100

Strong

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.