Mountain America Federal Credit Union
We analyzed every closed loan from Mountain America Federal Credit Union — 1.9k loans across 4k 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Mountain America Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 11.9 bps below market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,554 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
FHA
186 loans · 0.40% below market
Strong
Top 40% of lenders
4/5
VA
47 loans · 0.93% below market
Strong
Top 40% of lenders
4/5
Jumbo
63 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,270 loans · 0.22% below market
Strong
Top 40% of lenders
4/5
Refinance
584 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 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 | 1,554 | 83.8% | -0.039%Below | $3,229Fees | ||||
FHA Loans | 186 | 10.0% | -0.400%Below | $3,892Fees | ||||
VA Loans | 47 | 2.5% | -0.932%Below | $4,005Fees | ||||
Jumbo Loans | — | 63 | 3.4% | +0.508%Above | $5,253Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,554
Mix83.8%
Spread
-0.039%Below
Fees
$3,229Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume186
Mix10.0%
Spread
-0.400%Below
Fees
$3,892Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume47
Mix2.5%
Spread
-0.932%Below
Fees
$4,005Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume63
Mix3.4%
Spread
+0.508%Above
Fees
$5,253Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,270 | 68.5% | -0.218%Below | $4,212Fees | ||||
Refinance | 584 | 31.5% | +0.013%Above | $2,265Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,270
Mix68.5%
Spread
-0.218%Below
Fees
$4,212Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume584
Mix31.5%
Spread
+0.013%Above
Fees
$2,265Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,854
Applications
3,814
Volume
$684 million
Pricing & Closing
Avg Rate Spread
-0.119%
vs. market APOR
Avg Net Fees
$3,374
Origination − Credits
Pullthrough Rate
48.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$368,943
Avg Borrower Income
$132,715
Avg Property Value
$553,786
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 1010–2020–5050–200200+None
West10
AZCOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 14 metro areas
Top States 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.