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DuPont Community Federally Insured State-Chartered Credit Union

Credit UnionWaynesboro, VADirect

Dupont Community Federally Insured State Chartered Credit Union has 185 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
Exceptional
closing strength
Products
Strong
Conventional
Place
Exceptional
Single State · 2 mkts
Safe Rate Awards💎Refinance ChampionConventional SuperstarPurchase Superstar

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Safe Rate's 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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DuPont Community Federally Insured State-Chartered Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
Rates 19.2 bps below market avg
Pull Through
Closing strength
Exceptional
Market Leader
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Single State3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Exceptional
Exceptional
18398.9%
-0.192%Below
$411Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Sound
Strong
Strong
12869.2%
-0.052%Below
$429Fees
Refinance
Exceptional
Strong
Exceptional
Exceptional
5730.8%
-0.507%Below
$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
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

VA

Top Metro Areas by Place Specialization Score

1
Staunton, VAMSA
Volume: 117Mix: 63.24%of portfolio
Place
Exceptional
2
Harrisonburg, VA, VAMSA
Volume: 39Mix: 21.08%of portfolio
Place
Strong

Top States by Place Specialization Score

1
VAState
Volume: 185Mix: 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.