What loan types does Seattle Metropolitan Credit Union offer?

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

Where does Seattle Metropolitan Credit Union offer mortgages?

Seattle Metropolitan Credit Union offers mortgages in 1 states: WA.

How competitive are Seattle Metropolitan Credit Union's mortgage rates?

Seattle Metropolitan Credit Union has an overall pricing score of 34.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Seattle Metropolitan Credit Union?

Seattle Metropolitan Credit Union is a Credit Union headquartered in Seattle, WA.

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Seattle Metropolitan Credit Union

Credit Union•Seattle, WAHQ•Direct•Reviews near you on Google

Seattle Metropolitan Credit Union has 74 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

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Seattle Metropolitan Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+37.0 bps above market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

70 loans · 0.37% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

57 loans · 0.41% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

17 loans · 0.28% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	70	94.6%	+0.374%Above	$962Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume70

Mix94.6%

Spread

+0.374%Above

Fees

$962Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	57	77.0%	+0.408%Above	$961Fees
Refinance	Acceptable	Acceptable	—	Acceptable	17	23.0%	+0.279%Above	$528Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume57

Mix77.0%

Spread

+0.408%Above

Fees

$961Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume17

Mix23.0%

Spread

+0.279%Above

Fees

$528Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

159

Volume

$33 million

Pricing & Closing

Avg Rate Spread

+0.370%

vs. market APOR

Avg Net Fees

$835

Origination − Credits

Pullthrough Rate

46.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$451,757

Avg Borrower Income

$142,595

Avg Property Value

$666,220

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Everett, WAMetro

Volume 18Mix 24.32% of portfolio

60/100

Sound

Seattle, WAMetro

Volume 26Mix 35.14% of portfolio

60/100

Sound

Tacoma, WAMetro

Volume 10Mix 13.51% of portfolio

48/100

Sound

Top States by Place Specialization Score

WashingtonState

Volume 74Mix 100.00% of portfolio

69/100

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.