We analyzed every closed loan from Leaders Credit Union — 750 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Leaders Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+30.7 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
459 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
FHA
158 loans · 0.68% above market
Strong
Top 40% of lenders
4/5
VA
45 loans · 0.42% below market
Strong
Top 40% of lenders
4/5
USDA
83 loans · 0.47% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
620 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
Refinance
130 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Exceptional
Top 20% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 459 | 61.2% | +0.222%Above | $1,190Fees | ||||
FHA Loans | 158 | 21.1% | +0.675%Above | $885Fees | ||||
VA Loans | — | 45 | 6.0% | -0.417%Below | $933Fees | |||
USDA Loans | 83 | 11.1% | +0.467%Above | $682Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume459
Mix61.2%
Spread
+0.222%Above
Fees
$1,190Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume158
Mix21.1%
Spread
+0.675%Above
Fees
$885Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume45
Mix6.0%
Spread
-0.417%Below
Fees
$933Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume83
Mix11.1%
Spread
+0.467%Above
Fees
$682Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 620 | 82.7% | +0.325%Above | $892Fees | ||||
Refinance | 130 | 17.3% | +0.229%Above | $1,893Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume620
Mix82.7%
Spread
+0.325%Above
Fees
$892Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume130
Mix17.3%
Spread
+0.229%Above
Fees
$1,893Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
750
Applications
1,158
Volume
$180 million
Pricing & Closing
Avg Rate Spread
+0.307%
vs. market APOR
Avg Net Fees
$1,077
Origination − Credits
Pullthrough Rate
64.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$241,000
Avg Borrower Income
$111,331
Avg Property Value
$298,173
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 1010+None
Midwest2
MIMO
South8
ARFLGALAMSTNTXVA
Top Metro Areas by Place Specialization Score
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.