We analyzed every closed loan from Boeing Employees Credit Union — 2.7k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 15 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 2.50 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and VA and Jumbo loans
Explore another lender or local market
Report Card
Boeing Employees Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 2.5 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,951 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
FHA
21 loans · 0.30% above market
Sound
Top 60% of lenders
3/5
VA
25 loans · 0.18% below market
Strong
Top 40% of lenders
4/5
Jumbo
657 loans · 0.13% below market
Exceptional
Top 10% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,348 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
Refinance
306 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 16 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 | 1,951 | 73.5% | +0.005%Above | $954Fees | ||||
FHA Loans | 21 | 0.8% | +0.305%Above | $2,269Fees | ||||
VA Loans | — | 25 | 0.9% | -0.181%Below | $340Fees | |||
Jumbo Loans | 657 | 24.8% | -0.134%Below | $395Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume1,951
Mix73.5%
Spread
+0.005%Above
Fees
$954Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume21
Mix0.8%
Spread
+0.305%Above
Fees
$2,269Fees
VA Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume25
Mix0.9%
Spread
-0.181%Below
Fees
$340Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume657
Mix24.8%
Spread
-0.134%Below
Fees
$395Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,348 | 88.5% | -0.035%Below | $975Fees | ||||
Refinance | 306 | 11.5% | +0.050%Above | $214Credit |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume2,348
Mix88.5%
Spread
-0.035%Below
Fees
$975Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume306
Mix11.5%
Spread
+0.050%Above
Fees
$214Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,654
Applications
4,467
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.025%
vs. market APOR
Avg Net Fees
$833
Origination − Credits
Pullthrough Rate
59.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$702,913
Avg Borrower Income
$213,959
Avg Property Value
$998,018
Geographic Coverage
Geographic Performance
Metro Areas
15
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast1
PA
Midwest3
ILKSMO
South1
SC
West5
AZCAIDORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 15 metro areas
Top States 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.