What loan types does Lafayette Federal Credit Union offer?

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

Where does Lafayette Federal Credit Union offer mortgages?

Lafayette Federal Credit Union offers mortgages in 17 states: CO, DC, DE, FL, GA, MA, MD, MI, NC, NY, OK, PA, RI, SC, TN, VA, WI.

How competitive are Lafayette Federal Credit Union's mortgage rates?

Lafayette Federal Credit Union has an overall pricing score of 76/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Lafayette Federal Credit Union?

Lafayette Federal Credit Union is a Credit Union headquartered in Rockville, MD.

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Lafayette Federal Credit Union

Credit Union•Rockville, MDHQ•Direct•Reviews near you on Google

Lafayette Federal Credit Union has 64 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

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 64.50 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Lafayette Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 64.5 bps below market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

60 loans · 0.61% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

57 loans · 0.61% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 1 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	Acceptable	Acceptable	Strong	Mediocre	60	93.8%	-0.610%Below	$1,207Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Strong

Pull Through

Mediocre

Volume60

Mix93.8%

Spread

-0.610%Below

Fees

$1,207Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Strong	Mediocre	57	89.1%	-0.612%Below	$1,206Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Strong

Pull Through

Mediocre

Volume57

Mix89.1%

Spread

-0.612%Below

Fees

$1,206Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

154

Volume

$29 million

Pricing & Closing

Avg Rate Spread

-0.645%

vs. market APOR

Avg Net Fees

$1,205

Origination − Credits

Pullthrough Rate

41.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$457,656

Avg Borrower Income

$213,406

Avg Property Value

$585,156

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

17Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast4

MANYPARI

Midwest2

MIWI

South10

DCDEFLGAMDNCOKSCTNVA

West1

Top Metro Areas by Place Specialization Score

Raleigh, NCMetro

Volume 14Mix 21.88% of portfolio

52/100

Sound

Top States by Place Specialization Score

MarylandState

Volume 19Mix 29.69% of portfolio

52/100

Sound

North CarolinaState

Volume 14Mix 21.88% of portfolio

46/100

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.