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Extra

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

Extra has 44 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
Strong
4/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Strong
4/5
Single State · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Extra performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+65.0 bps above market avg
4/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
44 loans · 0.65% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Refinance
39 loans · 0.65% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume44
Mix100.0%
Spread
+0.650%Above
Fees
$1,361Fees

Loan Purpose Performance

Performance by Loan Purpose

Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume39
Mix88.6%
Spread
+0.654%Above
Fees
$1,334Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
44
Applications
75
Volume
$7 million
Pricing & Closing
Avg Rate Spread
+0.650%
vs. market APOR
Avg Net Fees
$1,361
Origination − Credits
Pullthrough Rate
58.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$176,818
Avg Borrower Income
$91,750
Avg Property Value
$272,045

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
All statesNone
Midwest1
MI

Top Metro Areas by Place Specialization Score

1© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 28Mix 63.64% of portfolio
61/100
Strong

Top States by Place Specialization Score

Michigan
Michigan
1
MichiganState
Volume 44Mix 100.00% of portfolio
62/100
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.