What loan types does San Mateo Credit Union offer?

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

Where does San Mateo Credit Union offer mortgages?

San Mateo Credit Union offers mortgages in 1 states: CA.

How competitive are San Mateo Credit Union's mortgage rates?

San Mateo Credit Union has an overall pricing score of 92.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is San Mateo Credit Union?

San Mateo Credit Union is a Credit Union headquartered in Redwood City, CA.

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San Mateo Credit Union

Credit Union•Redwood City, CAHQ•Direct•Reviews near you on Google

San Mateo Credit Union has 95 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

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Jumbo

Superstar

Summary

What They Do Well

Offers rates 55.00 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

San Mateo Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 55.0 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

74 loans · 0.52% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

21 loans · 0.66% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

80 loans · 0.59% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

15 loans · 0.33% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 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	Exceptional	Sound	74	77.9%	-0.517%Below	$121Credit
Jumbo Loans	Strong	Strong	Exceptional	Strong	21	22.1%	-0.662%Below	$265Credit

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume74

Mix77.9%

Spread

-0.517%Below

Fees

$121Credit

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume21

Mix22.1%

Spread

-0.662%Below

Fees

$265Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Sound	80	84.2%	-0.588%Below	$139Credit
Refinance	Sound	Acceptable	—	Strong	15	15.8%	-0.333%Below	$240Credit

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume80

Mix84.2%

Spread

-0.588%Below

Fees

$139Credit

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume15

Mix15.8%

Spread

-0.333%Below

Fees

$240Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

127

Volume

$82 million

Pricing & Closing

Avg Rate Spread

-0.550%

vs. market APOR

Avg Net Fees

$-154

Origination − Credits

Pullthrough Rate

74.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$869,105

Avg Borrower Income

$287,684

Avg Property Value

$1,216,170

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

All statesNone

West1

Top Metro Areas by Place Specialization Score

San Francisco, CAMetro

Volume 42Mix 44.21% of portfolio

72/100

Strong

Oakland, CAMetro

Volume 29Mix 30.53% of portfolio

61/100

Strong

San Jose, CAMetro

Volume 11Mix 11.58% of portfolio

49/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 95Mix 100.00% of portfolio

64/100

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.