What loan types does Park Federal Credit Union offer?

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

Where does Park Federal Credit Union offer mortgages?

Park Federal Credit Union offers mortgages in 4 states: GA, IN, KY, TN.

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

Park Federal Credit Union has an overall pricing score of 93.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Park Federal Credit Union?

Park Federal Credit Union is a Credit Union headquartered in Louisville, KY.

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Park Federal Credit Union

Credit Union•Louisville, KYHQ•Direct•Reviews near you on Google

Park Federal Credit Union has 189 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

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 17.60 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Park Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 17.6 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

189 loans · 0.18% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

151 loans · 0.17% below market

Sound

Top 60% of lenders

3/5

Refinance

38 loans · 0.19% below 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	Strong	Sound	Exceptional	Sound	189	100.0%	-0.176%Below	$81Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume189

Mix100.0%

Spread

-0.176%Below

Fees

$81Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Acceptable	151	79.9%	-0.173%Below	$48Fees
Refinance	Strong	Sound	Exceptional	Sound	38	20.1%	-0.187%Below	$215Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume151

Mix79.9%

Spread

-0.173%Below

Fees

$48Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume38

Mix20.1%

Spread

-0.187%Below

Fees

$215Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

189

Applications

298

Volume

$40 million

Pricing & Closing

Avg Rate Spread

-0.176%

vs. market APOR

Avg Net Fees

$81

Origination − Credits

Pullthrough Rate

63.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$215,582

Avg Borrower Income

$110,725

Avg Property Value

$286,217

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

< 2020+None

Midwest1

South3

GAKYTN

Top Metro Areas by Place Specialization Score

Louisville/Jefferson County, KY, KY-INMetro

Volume 144Mix 76.19% of portfolio

82/100

Exceptional

Lexington, KYMetro

Volume 12Mix 6.35% of portfolio

48/100

Sound

Top States by Place Specialization Score

KentuckyState

Volume 165Mix 87.30% of portfolio

78/100

Strong

IndianaState

Volume 22Mix 11.64% of portfolio

49/100

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.