What loan types does MAX Credit Union offer?

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

Where does MAX Credit Union offer mortgages?

MAX Credit Union offers mortgages in 4 states: AL, FL, GA, MO.

How competitive are MAX Credit Union's mortgage rates?

MAX Credit Union has an overall pricing score of 34.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is MAX Credit Union?

MAX Credit Union is a Credit Union headquartered in Montgomery, AL.

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MAX Credit Union

Credit Union•Montgomery, ALHQ•Direct•Reviews near you on Google

MAX Credit Union has 122 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

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

MAX Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+4.0 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

121 loans · 0.05% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

92 loans · 0.04% below market

Sound

Top 60% of lenders

3/5

Refinance

30 loans · 0.32% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Sound	Sound	Acceptable	Exceptional	121	99.2%	+0.054%Above	$2,293Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Exceptional

Volume121

Mix99.2%

Spread

+0.054%Above

Fees

$2,293Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Strong	92	75.4%	-0.043%Below	$2,536Fees
Refinance	Strong	Sound	—	Strong	30	24.6%	+0.323%Above	$1,733Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume92

Mix75.4%

Spread

-0.043%Below

Fees

$2,536Fees

Refinance

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume30

Mix24.6%

Spread

+0.323%Above

Fees

$1,733Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

122

Applications

133

Volume

$27 million

Pricing & Closing

Avg Rate Spread

+0.040%

vs. market APOR

Avg Net Fees

$2,354

Origination − Credits

Pullthrough Rate

91.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$227,295

Avg Borrower Income

$144,295

Avg Property Value

$330,000

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest1

South3

ALFLGA

Top Metro Areas by Place Specialization Score

Montgomery, ALMetro

Volume 81Mix 66.39% of portfolio

85/100

Exceptional

Auburn, ALMetro

Volume 16Mix 13.11% of portfolio

55/100

Sound

Top States by Place Specialization Score

AlabamaState

Volume 119Mix 97.54% of portfolio

76/100

Strong

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.