What loan types does Grow Financial Federal Credit Union offer?

Grow Financial Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Grow Financial Federal Credit Union offer mortgages?

Grow Financial Federal Credit Union offers mortgages in 6 states: AL, FL, GA, NC, SC, TN.

How competitive are Grow Financial Federal Credit Union's mortgage rates?

Grow Financial Federal Credit Union has an overall pricing score of 87.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Grow Financial Federal Credit Union?

Grow Financial Federal Credit Union is a Credit Union headquartered in Tampa, FL.

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Grow Financial Federal Credit Union

Credit Union•Tampa, FLHQ•Direct•Reviews near you on Google

Grow Financial Federal Credit Union has 231 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Sound

3/5

Multi-Region · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 114.70 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Grow Financial Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 114.7 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

219 loans · 1.13% below market

Sound

Top 60% of lenders

3/5

Jumbo

12 loans · 1.49% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

167 loans · 1.22% below market

Sound

Top 60% of lenders

3/5

Refinance

64 loans · 0.92% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 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	Strong	Sound	Exceptional	Sound	219	94.8%	-1.129%Below	$1,104Fees
Jumbo Loans	Sound	Sound	—	—	12	5.2%	-1.486%Below	$1,025Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume219

Mix94.8%

Spread

-1.129%Below

Fees

$1,104Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix5.2%

Spread

-1.486%Below

Fees

$1,025Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Sound	167	72.3%	-1.220%Below	$1,123Fees
Refinance	Strong	Sound	Exceptional	Strong	64	27.7%	-0.921%Below	$1,029Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume167

Mix72.3%

Spread

-1.220%Below

Fees

$1,123Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume64

Mix27.7%

Spread

-0.921%Below

Fees

$1,029Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

231

Applications

283

Volume

$87 million

Pricing & Closing

Avg Rate Spread

-1.147%

vs. market APOR

Avg Net Fees

$1,100

Origination − Credits

Pullthrough Rate

81.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$380,238

Avg Borrower Income

$174,251

Avg Property Value

$551,537

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 5050+None

South6

ALFLGANCSCTN

Top Metro Areas by Place Specialization Score

Tampa, FLMetro

Volume 88Mix 38.10% of portfolio

71/100

Strong

St. Petersburg, FLMetro

Volume 39Mix 16.88% of portfolio

66/100

Strong

Columbia, SCMetro

Volume 18Mix 7.79% of portfolio

53/100

Sound

North Port, FLMetro

Volume 14Mix 6.06% of portfolio

49/100

Sound

Top States by Place Specialization Score

FloridaState

Volume 182Mix 78.79% of portfolio

69/100

Strong

South CarolinaState

Volume 32Mix 13.85% of portfolio

55/100

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(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.