Get & compare mortgage quotes anonymously Start in My Home
DF
Unclaimed

Dfcu Financial

Credit Union•Dearborn, MIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Dfcu Financial — 692 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Particularly strong in Conventional and Jumbo loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Dfcu Financial performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+26.0 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
666 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
Jumbo
26 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
578 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
Refinance
114 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 8 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume666
Mix96.2%
Spread
+0.261%Above
Fees
$2,058Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume26
Mix3.8%
Spread
+0.239%Above
Fees
$3,493Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Acceptable
Volume578
Mix83.5%
Spread
+0.253%Above
Fees
$2,097Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume114
Mix16.5%
Spread
+0.292%Above
Fees
$2,152Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
692
Applications
1,342
Volume
$209 million
Pricing & Closing
Avg Rate Spread
+0.260%
vs. market APOR
Avg Net Fees
$2,106
Origination − Credits
Pullthrough Rate
51.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$302,688
Avg Borrower Income
$152,715
Avg Property Value
$403,555

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 5050+None
Midwest1
MI
South1
FL

Top Metro Areas by Place Specialization Score

1© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Detroit, MIMetro
Volume 295Mix 42.63% of portfolio
86/100
Exceptional
2© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 167Mix 24.13% of portfolio
74/100
Strong
3© formulanone · CC BY-SA 2.0
Monroe, MIMetro
Volume 42Mix 6.07% of portfolio
72/100
Strong
4© w_lemay · CC BY-SA 2.0
Ann Arbor, MIMetro
Volume 38Mix 5.49% of portfolio
69/100
Strong
5© Interface Multimedia, Inc. · CC BY-SA 4.0
Tampa, FLMetro
Volume 28Mix 4.05% of portfolio
52/100
Sound
6© Jrozwado · CC BY-SA 4.0
St. Petersburg, FLMetro
Volume 14Mix 2.02% of portfolio
46/100
Sound
7© WMrapids · CC0
Grand Rapids, MIMetro
Volume 15Mix 2.17% of portfolio
45/100
Sound

Top States by Place Specialization Score

Michigan
Michigan
1
MichiganState
Volume 623Mix 90.03% of portfolio
83/100
Exceptional
Florida
Florida
2
FloridaState
Volume 69Mix 9.97% of portfolio
54/100
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
Champion(80%+ = 40-50 points)
Superstar
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.

Looking for a different lender?

Are you the owner of Dfcu Financial?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.