We analyzed every closed loan from Scott Credit Union — 531 loans across 690 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
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
Exceptional
5/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
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 VA loans
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Report Card
Scott Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+8.3 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
477 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
FHA
16 loans · 0.06% above market
Sound
Top 60% of lenders
3/5
VA
30 loans · 0.56% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
423 loans · 0.09% above market
Sound
Top 60% of lenders
3/5
Refinance
108 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 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 | 477 | 89.8% | +0.120%Above | $644Fees | ||||
FHA Loans | — | 16 | 3.0% | +0.060%Above | $578Fees | |||
VA Loans | 30 | 5.6% | -0.559%Below | $1,185Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume477
Mix89.8%
Spread
+0.120%Above
Fees
$644Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume16
Mix3.0%
Spread
+0.060%Above
Fees
$578Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume30
Mix5.6%
Spread
-0.559%Below
Fees
$1,185Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 423 | 79.7% | +0.091%Above | $643Fees | ||||
Refinance | 108 | 20.3% | +0.053%Above | $756Fees |
Purchase
OverallStrong
ProductSound
PricingStrong
Pull ThroughSound
Volume423
Mix79.7%
Spread
+0.091%Above
Fees
$643Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume108
Mix20.3%
Spread
+0.053%Above
Fees
$756Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
531
Applications
690
Volume
$129 million
Pricing & Closing
Avg Rate Spread
+0.083%
vs. market APOR
Avg Net Fees
$667
Origination − Credits
Pullthrough Rate
77.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$244,322
Avg Borrower Income
$125,028
Avg Property Value
$311,535
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
14Full-year 2024 · HMDALoans originated
< 100100+None
Northeast1
PA
Midwest6
ILINKSMIMOWI
South5
FLGAKYNCTN
West2
AZCO
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.