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Gesa

Credit Union•Richland, WAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Gesa — 407 loans across 668 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
Strong
4/5
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

  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,495)

Explore another lender or local market

Report Card

Gesa performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Rates 7.3 bps below market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
395 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
Jumbo
12 loans · 0.64% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
321 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
Refinance
86 loans · 0.18% below 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
Strong
Volume395
Mix97.1%
Spread
-0.063%Below
Fees
$4,447Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through—
Volume12
Mix2.9%
Spread
-0.637%Below
Fees
$6,968Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume321
Mix78.9%
Spread
-0.043%Below
Fees
$4,653Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume86
Mix21.1%
Spread
-0.180%Below
Fees
$3,948Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
407
Applications
668
Volume
$151 million
Pricing & Closing
Avg Rate Spread
-0.073%
vs. market APOR
Avg Net Fees
$4,495
Origination − Credits
Pullthrough Rate
60.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$372,494
Avg Borrower Income
$135,049
Avg Property Value
$496,474

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3Full-year 2024 · HMDA
3 states with loan originations
Loans originated
< 1010–2020+None
West3
IDORWA

Top Metro Areas by Place Specialization Score

1© Kirk Bagley · CC BY 3.0
Kennewick, WAMetro
Volume 167Mix 41.03% of portfolio
95/100
Exceptional
2© Ethan from Scottsdale · CC BY 2.0
Spokane, WAMetro
Volume 48Mix 11.79% of portfolio
70/100
Strong
3© Quintin Soloviev · CC BY 4.0
Yakima, WAMetro
Volume 40Mix 9.83% of portfolio
69/100
Strong
4© Joe Mabel · CC BY-SA 3.0
Wenatchee, WAMetro
Volume 17Mix 4.18% of portfolio
59/100
Sound
5© Jon Roanhaus · CC BY-SA 4.0
Walla Walla, WAMetro
Volume 17Mix 4.18% of portfolio
59/100
Sound
6© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 13Mix 3.19% of portfolio
44/100
Sound
7© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 10Mix 2.46% of portfolio
42/100
Sound

Top States by Place Specialization Score

Washington
Washington
1
WashingtonState
Volume 378Mix 92.87% of portfolio
84/100
Exceptional
Idaho
Idaho
2
IdahoState
Volume 16Mix 3.93% of portfolio
46/100
Sound
Oregon
Oregon
3
OregonState
Volume 13Mix 3.19% of portfolio
43/100
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.

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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.