Elements Financial Federal Credit Union
We analyzed every closed loan from Elements Financial Federal Credit Union — 565 loans across 765 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Near-National · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
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Report Card
Elements Financial Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+9.6 bps above market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
505 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
FHA
40 loans · 0.23% above market
Sound
Top 60% of lenders
3/5
Jumbo
11 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
528 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
Refinance
37 loans · 0.02% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 3 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 505 | 89.4% | +0.090%Above | $1,137Fees | ||||
FHA Loans | 40 | 7.1% | +0.226%Above | $1,200Fees | ||||
Jumbo Loans | — | 11 | 1.9% | +0.126%Above | $863Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume505
Mix89.4%
Spread
+0.090%Above
Fees
$1,137Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume40
Mix7.1%
Spread
+0.226%Above
Fees
$1,200Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume11
Mix1.9%
Spread
+0.126%Above
Fees
$863Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 528 | 93.5% | +0.103%Above | $1,115Fees | ||||
Refinance | 37 | 6.5% | -0.019%Below | $1,294Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume528
Mix93.5%
Spread
+0.103%Above
Fees
$1,115Fees
Refinance
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume37
Mix6.5%
Spread
-0.019%Below
Fees
$1,294Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
565
Applications
765
Volume
$195 million
Pricing & Closing
Avg Rate Spread
+0.096%
vs. market APOR
Avg Net Fees
$1,125
Origination − Credits
Pullthrough Rate
73.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$346,540
Avg Borrower Income
$176,209
Avg Property Value
$451,425
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
29Full-year 2024 · HMDALoans originated
< 1010+None
Northeast4
MANJPARI
Midwest7
ILINMIMNMOOHWI
South12
ALDCDEFLGAKYLAMDNCSCTNTX
West6
AZCACOHIORUT
Top Metro Areas by Place Specialization Score
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.