What loan types does SACRAMENTO Credit Union offer?

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

Where does SACRAMENTO Credit Union offer mortgages?

SACRAMENTO Credit Union offers mortgages in 1 states: CA.

How competitive are SACRAMENTO Credit Union's mortgage rates?

SACRAMENTO Credit Union has an overall pricing score of 64.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is SACRAMENTO Credit Union?

SACRAMENTO Credit Union is a Credit Union headquartered in Sacramento, CA.

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SACRAMENTO Credit Union

Credit Union•Sacramento, CAHQ•Direct•Reviews near you on Google

SACRAMENTO Credit Union has 59 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

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

SACRAMENTO Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+6.9 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

57 loans · 0.08% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

46 loans · 0.04% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

13 loans · 0.18% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 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	Acceptable	Strong	Sound	57	96.6%	+0.076%Above	$1,053Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume57

Mix96.6%

Spread

+0.076%Above

Fees

$1,053Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	46	78.0%	+0.037%Above	$1,089Fees
Refinance	Acceptable	Acceptable	—	Sound	13	22.0%	+0.179%Above	$918Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume46

Mix78.0%

Spread

+0.037%Above

Fees

$1,089Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume13

Mix22.0%

Spread

+0.179%Above

Fees

$918Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$29 million

Pricing & Closing

Avg Rate Spread

+0.069%

vs. market APOR

Avg Net Fees

$1,051

Origination − Credits

Pullthrough Rate

72.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$500,763

Avg Borrower Income

$208,831

Avg Property Value

$675,678

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

1Full-year 2024 · HMDA

Loans originated

< 5050+None

West1

Top Metro Areas by Place Specialization Score

Sacramento, CAMetro

Volume 46Mix 77.97% of portfolio

67/100

Strong

Top States by Place Specialization Score

CaliforniaState

Volume 59Mix 100.00% of portfolio

61/100

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(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.