What loan types does Mid-Atlantic Federal Credit Union offer?

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

Where does Mid-Atlantic Federal Credit Union offer mortgages?

Mid-Atlantic Federal Credit Union offers mortgages in 5 states: MD, OH, PA, VA, WV.

How competitive are Mid-Atlantic Federal Credit Union's mortgage rates?

Mid-Atlantic Federal Credit Union has an overall pricing score of 93.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Mid-Atlantic Federal Credit Union?

Mid-Atlantic Federal Credit Union is a Credit Union headquartered in Germantown, MD.

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Mid-Atlantic Federal Credit Union

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

Mid-Atlantic Federal Credit Union has 27 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

Mediocre

1/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 25.50 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Mid-Atlantic Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 25.5 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

27 loans · 0.26% below market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Purchase

18 loans · 0.09% below market

Mediocre

Bottom 20% of lenders

1/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 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	Sound	Mediocre	Exceptional	Sound	27	100.0%	-0.255%Below	$419Credit

Conventional

Overall

Sound

Product

Mediocre

Pricing

Exceptional

Pull Through

Sound

Volume27

Mix100.0%

Spread

-0.255%Below

Fees

$419Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Mediocre	—	Sound	18	66.7%	-0.086%Below	$262Credit

Purchase

Overall

Acceptable

Product

Mediocre

Pricing—

Pull Through

Sound

Volume18

Mix66.7%

Spread

-0.086%Below

Fees

$262Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$10 million

Pricing & Closing

Avg Rate Spread

-0.255%

vs. market APOR

Avg Net Fees

$-419

Origination − Credits

Pullthrough Rate

84.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$387,593

Avg Borrower Income

$168,037

Avg Property Value

$553,148

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

5Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast1

Midwest1

South3

MDVAWV

Top Metro Areas by Place Specialization Score

Frederick, MDMetro

Volume 18Mix 66.67% of portfolio

61/100

Strong

Top States by Place Specialization Score

MarylandState

Volume 21Mix 77.78% of portfolio

56/100

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.