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DuPont Community Federally Insured State-Chartered Credit Union

Credit Union•Waynesboro, VAHQ•Direct•Reviews near you on Google

DuPont Community Federally Insured State-Chartered Credit Union has 185 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional
Place
Exceptional
5/5
Single State · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Refinance Champion
Refinance
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 19.20 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

DuPont Community Federally Insured State-Chartered Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 19.2 bps below market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
183 loans · 0.19% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
128 loans · 0.05% below market
Sound
Top 60% of lenders
3/5
Refinance
57 loans · 0.51% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume183
Mix98.9%
Spread
-0.192%Below
Fees
$411Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume128
Mix69.2%
Spread
-0.052%Below
Fees
$429Fees
Refinance
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume57
Mix30.8%
Spread
-0.507%Below
Fees
$371Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
185
Applications
224
Volume
$47 million
Pricing & Closing
Avg Rate Spread
-0.192%
vs. market APOR
Avg Net Fees
$411
Origination − Credits
Pullthrough Rate
82.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$254,946
Avg Borrower Income
$101,438
Avg Property Value
$359,919

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
All statesNone
South1
VA

Top Metro Areas by Place Specialization Score

1© ~delta · CC BY-SA 4.0
Staunton, VAMetro
Volume 117Mix 63.24% of portfolio
100/100
Exceptional
2© Sdkb · CC BY-SA 4.0
Harrisonburg, VAMetro
Volume 39Mix 21.08% of portfolio
72/100
Strong

Top States by Place Specialization Score

Virginia
Virginia
1
VirginiaState
Volume 185Mix 100.00% of portfolio
77/100
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
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.

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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.