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REDSTONE Federal Credit Union

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

We analyzed every closed loan from REDSTONE Federal Credit Union — 760 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Explore another lender or local market

Report Card

REDSTONE Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+20.9 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
643 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
FHA
45 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
VA
61 loans · 0.37% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
526 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
Refinance
234 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume643
Mix84.6%
Spread
+0.248%Above
Fees
$1,235Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume45
Mix5.9%
Spread
+0.392%Above
Fees
$1,484Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume61
Mix8.0%
Spread
-0.373%Below
Fees
$1,463Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume526
Mix69.2%
Spread
+0.194%Above
Fees
$1,322Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume234
Mix30.8%
Spread
+0.239%Above
Fees
$1,181Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
760
Applications
1,286
Volume
$183 million
Pricing & Closing
Avg Rate Spread
+0.209%
vs. market APOR
Avg Net Fees
$1,275
Origination − Credits
Pullthrough Rate
59.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$241,197
Avg Borrower Income
$110,697
Avg Property Value
$333,684

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 100100+None
South2
ALTN

Top Metro Areas by Place Specialization Score

1© Unknown authorUnknown author · Public domain
Huntsville, ALMetro
Volume 400Mix 52.63% of portfolio
100/100
Exceptional
2© Dan · CC BY 2.0
Decatur, ALMetro
Volume 100Mix 13.16% of portfolio
98/100
Exceptional
3© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 46Mix 6.05% of portfolio
59/100
Sound
4© Eric in SF · CC BY-SA 3.0
Birmingham, ALMetro
Volume 11Mix 1.45% of portfolio
42/100
Sound

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 651Mix 85.66% of portfolio
92/100
Exceptional
Tennessee
Tennessee
2
TennesseeState
Volume 109Mix 14.34% of portfolio
65/100
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
Champion(80%+ = 40-50 points)
Superstar
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.