What loan types does Blue Federal Credit Union offer?

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

Where does Blue Federal Credit Union offer mortgages?

Blue Federal Credit Union offers mortgages in 3 states: AZ, CO, WY.

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

Blue Federal Credit Union has an overall pricing score of 43.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Blue Federal Credit Union?

Blue Federal Credit Union is a Credit Union headquartered in Cheyenne, WY.

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Blue Federal Credit Union

Credit Union•Cheyenne, WYHQ•Direct & Wholesale•Reviews near you on Google

Blue Federal Credit Union has 70 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

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Explore another lender or local market

Report Card

Blue Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 27.3 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

62 loans · 0.29% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

29 loans · 0.10% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

41 loans · 0.44% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Sound	Sound	Sound	Strong	62	88.6%	-0.288%Below	$3,534Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume62

Mix88.6%

Spread

-0.288%Below

Fees

$3,534Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Sound	29	41.4%	-0.098%Below	$3,778Fees
Refinance	Strong	Sound	Strong	Exceptional	41	58.6%	-0.436%Below	$3,552Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume29

Mix41.4%

Spread

-0.098%Below

Fees

$3,778Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Exceptional

Volume41

Mix58.6%

Spread

-0.436%Below

Fees

$3,552Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$34 million

Pricing & Closing

Avg Rate Spread

-0.273%

vs. market APOR

Avg Net Fees

$3,661

Origination − Credits

Pullthrough Rate

76.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$489,286

Avg Borrower Income

$179,200

Avg Property Value

$740,286

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

3Full-year 2024 · HMDA

Loans originated

< 2020+None

West3

AZCOWY

Top Metro Areas by Place Specialization Score

Cheyenne, WYMetro

Volume 22Mix 31.43% of portfolio

64/100

Strong

Top States by Place Specialization Score

WyomingState

Volume 25Mix 35.71% of portfolio

63/100

Strong

ColoradoState

Volume 44Mix 62.86% of portfolio

62/100

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.