What loan types does Avadian offer?

Avadian offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Avadian offer mortgages?

Avadian offers mortgages in 5 states: AL, FL, GA, MS, TN.

How competitive are Avadian's mortgage rates?

Avadian has an overall pricing score of 44.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Avadian?

Avadian is a Credit Union headquartered in Hoover, AL.

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Avadian

Credit Union•Hoover, ALHQ•Direct•Reviews near you on Google

Avadian has 299 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

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Avadian performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+7.0 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

251 loans · 0.05% above market

Sound

Top 60% of lenders

3/5

FHA

15 loans · 0.99% above market

Sound

Top 60% of lenders

3/5

21 loans

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

224 loans · 0.09% above market

Sound

Top 60% of lenders

3/5

Refinance

75 loans · 0.07% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

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	Strong	251	83.9%	+0.051%Above	$1,519Fees
FHA Loans	Sound	Sound	—	Sound	15	5.0%	+0.988%Above	$1,001Fees
VA Loans	Strong	Strong	—	Exceptional	21	7.0%	—	—

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume251

Mix83.9%

Spread

+0.051%Above

Fees

$1,519Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume15

Mix5.0%

Spread

+0.988%Above

Fees

$1,001Fees

VA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Exceptional

Volume21

Mix7.0%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	224	74.9%	+0.091%Above	$1,526Fees
Refinance	Strong	Sound	—	Strong	75	25.1%	-0.074%Below	$1,296Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume224

Mix74.9%

Spread

+0.091%Above

Fees

$1,526Fees

Refinance

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume75

Mix25.1%

Spread

-0.074%Below

Fees

$1,296Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

299

Applications

377

Volume

$104 million

Pricing & Closing

Avg Rate Spread

+0.070%

vs. market APOR

Avg Net Fees

$1,496

Origination − Credits

Pullthrough Rate

79.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$350,452

Avg Borrower Income

$165,742

Avg Property Value

$460,705

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

< 200200+None

South5

ALFLGAMSTN

Top Metro Areas by Place Specialization Score

Birmingham, ALMetro

Volume 153Mix 51.17% of portfolio

87/100

Exceptional

Huntsville, ALMetro

Volume 83Mix 27.76% of portfolio

77/100

Strong

Dothan, ALMetro

Volume 20Mix 6.69% of portfolio

61/100

Strong

Top States by Place Specialization Score

AlabamaState

Volume 291Mix 97.32% of portfolio

85/100

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.