Picatinny Federal Credit Union has 29 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
Things to Think About
- Pull through efficiency is below industry average
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Report Card
Picatinny Federal Credit Union performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 29 | 100.0% | +0.147%Above | $986Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 17 | 58.6% | +0.024%Above | $1,402Fees | |||
Refinance | — | — | 12 | 41.4% | +0.326%Above | $381Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
3Full-year 2024 · HMDATop 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)
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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