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Unclaimed

CHESSIE Federal Credit Union

Credit Union•Cumberland, MD•Direct

Chessie Federal Credit Union has 70 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Acceptable
Conventional
Place
Active
Regional

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Report Card

CHESSIE Federal Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+27.3 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Mediocre
Below peers
Bottom 20% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Acceptable
Sound
Sound
70100.0%
+0.273%Above
$438Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Mediocre
Acceptable
Acceptable
2434.3%
+0.114%Above
$876Fees
Refinance
Sound
Sound
Strong
Strong
4665.7%
+0.366%Above
$182Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
70
Applications
83
Volume
$10 million
Pricing & Closing
Avg Rate Spread
+0.273%
vs. market APOR
Avg Net Fees
$438
Origination − Credits
Pullthrough Rate
84.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$154,714
Avg Borrower Income
$91,414
Avg Property Value
$260,571

Geographic Coverage

Geographic Performance

Metro Areas
0
States Served
3
We count Washington DC as a state
Avg Place Specialization
N/A

States with Loan Originations

MDPAWV

Top States by Place Specialization Score

1
MDState
Volume: 42Mix: 60.00%of portfolio
Place
Strong
2
WVState
Volume: 21Mix: 30.00%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.