What loan types does CINFED Federal Credit Union offer?

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

Where does CINFED Federal Credit Union offer mortgages?

CINFED Federal Credit Union offers mortgages in 3 states: IN, KY, OH.

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

CINFED Federal Credit Union has an overall pricing score of 69.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CINFED Federal Credit Union?

CINFED Federal Credit Union is a Credit Union headquartered in Cincinnati, OH.

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CINFED Federal Credit Union

Credit Union•Cincinnati, OHHQ•Direct•Reviews near you on Google

CINFED Federal Credit Union has 137 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

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

CINFED Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+13.1 bps above market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

124 loans · 0.12% above market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

13 loans · 0.37% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

78 loans · 0.23% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

59 loans · 0.03% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 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	Sound	Acceptable	Strong	Acceptable	124	90.5%	+0.124%Above	$575Fees
Jumbo Loans	Strong	Strong	—	—	13	9.5%	+0.373%Above	$3,333Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume124

Mix90.5%

Spread

+0.124%Above

Fees

$575Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume13

Mix9.5%

Spread

+0.373%Above

Fees

$3,333Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Mediocre	78	56.9%	+0.233%Above	$1,232Fees
Refinance	Strong	Sound	Exceptional	Sound	59	43.1%	+0.028%Above	$73Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Mediocre

Volume78

Mix56.9%

Spread

+0.233%Above

Fees

$1,232Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume59

Mix43.1%

Spread

+0.028%Above

Fees

$73Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

137

Applications

305

Volume

$46 million

Pricing & Closing

Avg Rate Spread

+0.131%

vs. market APOR

Avg Net Fees

$653

Origination − Credits

Pullthrough Rate

44.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$339,307

Avg Borrower Income

$171,547

Avg Property Value

$497,117

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

< 5050+None

Midwest2

INOH

South1

Top Metro Areas by Place Specialization Score

Cincinnati, OHMetro

Volume 131Mix 95.62% of portfolio

80/100

Strong

Top States by Place Specialization Score

OhioState

Volume 105Mix 76.64% of portfolio

67/100

Strong

KentuckyState

Volume 31Mix 22.63% of portfolio

57/100

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.