What loan types does Certified Credit Union offer?

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

Where does Certified Credit Union offer mortgages?

Certified Credit Union offers mortgages in 2 states: AZ, CA.

What type of lender is Certified Credit Union?

Certified Credit Union is a Credit Union headquartered in El Monte, CA.

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Certified Credit Union

Credit Union•El Monte, CAHQ•Direct•Reviews near you on Google

Certified Credit Union has 26 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

Pull-through

Acceptable

2/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Sound

3/5

Regional · 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

Certified Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

26 loans · 0.18% above market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Refinance

18 loans

Acceptable

Bottom 40% of lenders

2/5

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	Acceptable	Mediocre	—	Acceptable	26	100.0%	+0.185%Above	$995Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing—

Pull Through

Acceptable

Volume26

Mix100.0%

Spread

+0.185%Above

Fees

$995Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Refinance	Acceptable	Acceptable	—	Sound	18	69.2%	—	—

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume18

Mix69.2%

Spread—

Fees—

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$7 million

Pricing & Closing

Pullthrough Rate

63.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$289,615

Avg Borrower Income

$128,731

Avg Property Value

$285,000

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

2Full-year 2024 · HMDA

Loans originated

< 2020+None

West2

AZCA

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 13Mix 50.00% of portfolio

52/100

Sound

Riverside, CAMetro

Volume 10Mix 38.46% of portfolio

49/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 25Mix 96.15% of portfolio

54/100

Sound

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.