What loan types does Day Air Credit Union offer?

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

Where does Day Air Credit Union offer mortgages?

Day Air Credit Union offers mortgages in 3 states: FL, IN, OH.

How competitive are Day Air Credit Union's mortgage rates?

Day Air Credit Union has an overall pricing score of 70.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Day Air Credit Union?

Day Air Credit Union is a Credit Union headquartered in Kettering, OH.

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Day Air Credit Union

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

Day Air Credit Union has 190 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

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Day Air Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+53.4 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

185 loans · 0.53% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

162 loans · 0.52% above market

Sound

Top 60% of lenders

3/5

Refinance

28 loans · 0.67% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Sound	Strong	Sound	185	97.4%	+0.530%Above	$178Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume185

Mix97.4%

Spread

+0.530%Above

Fees

$178Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Acceptable	162	85.3%	+0.519%Above	$207Fees
Refinance	Sound	Sound	—	Acceptable	28	14.7%	+0.670%Above	$71Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume162

Mix85.3%

Spread

+0.519%Above

Fees

$207Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Acceptable

Volume28

Mix14.7%

Spread

+0.670%Above

Fees

$71Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

190

Applications

363

Volume

$38 million

Pricing & Closing

Avg Rate Spread

+0.534%

vs. market APOR

Avg Net Fees

$193

Origination − Credits

Pullthrough Rate

52.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$202,737

Avg Borrower Income

$134,779

Avg Property Value

$268,684

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

All statesNone

Midwest2

INOH

South1

Top Metro Areas by Place Specialization Score

Dayton, OHMetro

Volume 154Mix 81.05% of portfolio

80/100

Strong

Cincinnati, OHMetro

Volume 23Mix 12.11% of portfolio

55/100

Sound

Top States by Place Specialization Score

OhioState

Volume 187Mix 98.42% of portfolio

73/100

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.