What loan types does Credit Union West offer?

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

Where does Credit Union West offer mortgages?

Credit Union West offers mortgages in 2 states: AZ, OH.

How competitive are Credit Union West's mortgage rates?

Credit Union West has an overall pricing score of 67.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Credit Union West?

Credit Union West is a Credit Union headquartered in Glendale, AZ.

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Credit Union West

Credit Union•Glendale, AZHQ•Direct•Reviews near you on Google

Credit Union West has 54 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

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 17.40 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Credit Union West performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 17.4 bps below market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

51 loans · 0.20% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

39 loans · 0.26% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

15 loans · 0.05% above market

Acceptable

Bottom 40% of lenders

2/5

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	Acceptable	Acceptable	Strong	Mediocre	51	94.4%	-0.195%Below	$1,695Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Strong

Pull Through

Mediocre

Volume51

Mix94.4%

Spread

-0.195%Below

Fees

$1,695Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Strong	Mediocre	39	72.2%	-0.264%Below	$1,611Fees
Refinance	Mediocre	Acceptable	—	Mediocre	15	27.8%	+0.046%Above	$2,004Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Strong

Pull Through

Mediocre

Volume39

Mix72.2%

Spread

-0.264%Below

Fees

$1,611Fees

Refinance

Overall

Mediocre

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume15

Mix27.8%

Spread

+0.046%Above

Fees

$2,004Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

138

Volume

$16 million

Pricing & Closing

Avg Rate Spread

-0.174%

vs. market APOR

Avg Net Fees

$1,724

Origination − Credits

Pullthrough Rate

39.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$312,407

Avg Borrower Income

$103,204

Avg Property Value

$478,889

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

2Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest1

West1

Top Metro Areas by Place Specialization Score

Phoenix, AZMetro

Volume 35Mix 64.81% of portfolio

61/100

Strong

Top States by Place Specialization Score

ArizonaState

Volume 52Mix 96.30% of portfolio

65/100

Strong

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.