Campus USA Credit Union has 387 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
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
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Report Card
Campus USA Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+9.0 bps above market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
377 loans · 0.11% above market
Strong
Top 40% of lenders
4/5
Jumbo
10 loans · 1.04% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
260 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
Refinance
127 loans · 0.37% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 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 | 377 | 97.4% | +0.106%Above | $793Fees | ||||
Jumbo Loans | — | — | 10 | 2.6% | -1.044%Below | $2,500Fees |
Conventional
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume377
Mix97.4%
Spread
+0.106%Above
Fees
$793Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix2.6%
Spread
-1.044%Below
Fees
$2,500Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 260 | 67.2% | -0.134%Below | $796Fees | ||||
Refinance | 127 | 32.8% | +0.367%Above | $843Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume260
Mix67.2%
Spread
-0.134%Below
Fees
$796Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume127
Mix32.8%
Spread
+0.367%Above
Fees
$843Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
387
Applications
448
Volume
$105 million
Pricing & Closing
Avg Rate Spread
+0.090%
vs. market APOR
Avg Net Fees
$817
Origination − Credits
Pullthrough Rate
86.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$272,416
Avg Borrower Income
$172,416
Avg Property Value
$414,432
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
All statesNone
Northeast1
PA
South6
ALFLGAMDNCSC
Top Metro Areas 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.