We analyzed every closed loan from STAR ONE Credit Union — 702 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Strong
4/5
Near-National · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Champion
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 61.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
STAR ONE Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 61.5 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
530 loans · 0.59% below market
Strong
Top 40% of lenders
4/5
Jumbo
172 loans · 0.67% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
513 loans · 0.56% below market
Strong
Top 40% of lenders
4/5
Refinance
189 loans · 0.77% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 6 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 | 530 | 75.5% | -0.595%Below | $111Credit | ||||
Jumbo Loans | 172 | 24.5% | -0.670%Below | $94Credit |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume530
Mix75.5%
Spread
-0.595%Below
Fees
$111Credit
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume172
Mix24.5%
Spread
-0.670%Below
Fees
$94Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 513 | 73.1% | -0.559%Below | $213Credit | ||||
Refinance | 189 | 26.9% | -0.768%Below | $184Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume513
Mix73.1%
Spread
-0.559%Below
Fees
$213Credit
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume189
Mix26.9%
Spread
-0.768%Below
Fees
$184Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
702
Applications
1,097
Volume
$594 million
Pricing & Closing
Avg Rate Spread
-0.615%
vs. market APOR
Avg Net Fees
$-106
Origination − Credits
Pullthrough Rate
64.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$846,766
Avg Borrower Income
$305,811
Avg Property Value
$1,274,644
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
29Full-year 2024 · HMDALoans originated
< 1010–2020+None
Northeast3
NJNYPA
Midwest5
ILINMIMNOH
South11
ALDCFLGAMSNCOKSCTNTXVA
West10
AZCACOHIIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
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.