We analyzed every closed loan from GreenState Credit Union — 7.1k loans across 9k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 18 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
FHA
Champion
VA
Champion
Purchase
Champion
Refinance
Champion
Jumbo
Superstar
Summary
What They Do Well
- Offers rates 15.70 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
GreenState Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 15.7 bps below market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
6,312 loans · 0.15% below market
Exceptional
Top 10% of lenders
5/5
FHA
454 loans · 0.07% above market
Exceptional
Top 20% of lenders
5/5
VA
223 loans · 0.71% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
53 loans · 0.11% above market
Strong
Top 40% of lenders
4/5
USDA
19 loans · 0.29% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
5,937 loans · 0.16% below market
Exceptional
Top 20% of lenders
5/5
Refinance
1,124 loans · 0.15% below market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 19 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 6,312 | 89.4% | -0.155%Below | $622Fees | ||||
FHA Loans | 454 | 6.4% | +0.074%Above | $514Fees | ||||
VA Loans | 223 | 3.2% | -0.711%Below | $500Fees | ||||
Jumbo Loans | 53 | 0.8% | +0.109%Above | $223Fees | ||||
USDA Loans | — | 19 | 0.3% | -0.291%Below | $597Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume6,312
Mix89.4%
Spread
-0.155%Below
Fees
$622Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume454
Mix6.4%
Spread
+0.074%Above
Fees
$514Fees
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume223
Mix3.2%
Spread
-0.711%Below
Fees
$500Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume53
Mix0.8%
Spread
+0.109%Above
Fees
$223Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix0.3%
Spread
-0.291%Below
Fees
$597Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,937 | 84.1% | -0.157%Below | $697Fees | ||||
Refinance | 1,124 | 15.9% | -0.153%Below | $166Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume5,937
Mix84.1%
Spread
-0.157%Below
Fees
$697Fees
Refinance
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,124
Mix15.9%
Spread
-0.153%Below
Fees
$166Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
7,061
Applications
9,013
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.157%
vs. market APOR
Avg Net Fees
$609
Origination − Credits
Pullthrough Rate
78.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$264,186
Avg Borrower Income
$134,175
Avg Property Value
$357,198
Geographic Coverage
Geographic Performance
Metro Areas
18
markets with activity
States Served
44
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
44Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South15
ALARDEFLGAKYLAMDMSNCOKSCTNTXVA
West9
AKAZCACOIDMTORWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 18 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
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.
Looking for a different lender?
Are you the owner of GreenState Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.