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CREDIT UNION 1 Credit Union

Credit Union•Anchorage, AK•Direct

Credit Union 1 Credit Union has 110 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
Conventional
Place
Strong
Single State · 1 mkts
Safe Rate Awards⭐Conventional Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

  • Offers rates 19.60 basis points below market average

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Report Card

CREDIT UNION 1 Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
Rates 19.6 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% 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
Single State2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Sound
Exceptional
Sound
10696.4%
-0.187%Below
$2,624Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Strong
Sound
6357.3%
-0.217%Below
$2,495Fees
Refinance
Strong
Sound
Exceptional
Sound
4742.7%
-0.167%Below
$2,721Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
110
Applications
197
Volume
$32 million
Pricing & Closing
Avg Rate Spread
-0.196%
vs. market APOR
Avg Net Fees
$2,590
Origination − Credits
Pullthrough Rate
55.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$294,909
Avg Borrower Income
$132,627
Avg Property Value
$406,818

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

AK

Top Metro Areas by Place Specialization Score

1
Anchorage, AK, AKMSA
Volume: 79Mix: 71.82%of portfolio
Place
Strong

Top States by Place Specialization Score

1
AKState
Volume: 110Mix: 100.00%of portfolio
Place
Strong

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.