What loan types does State Department Federal Credit Union offer?

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

Where does State Department Federal Credit Union offer mortgages?

State Department Federal Credit Union offers mortgages in 31 states: AK, AR, AZ, CA, CO, CT, DC, FL, GA, IA, IN, KS, KY, MA, MD, ME, MI, MO, NC, NH, NM, NY, OH, OR, PA, RI, SC, TX, VA, VT, WV.

How competitive are State Department Federal Credit Union's mortgage rates?

State Department Federal Credit Union has an overall pricing score of 52.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is State Department Federal Credit Union?

State Department Federal Credit Union is a Credit Union headquartered in Alexandria, VA.

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State Department Federal Credit Union

Credit Union•Alexandria, VAHQ•Direct•Reviews near you on Google

State Department Federal Credit Union has 121 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

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Near-National · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

State Department Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 57.0 bps below market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

118 loans · 0.56% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

108 loans · 0.56% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

13 loans · 0.62% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Near-National · 2 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	Sound	Acceptable	118	97.5%	-0.559%Below	$4,362Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume118

Mix97.5%

Spread

-0.559%Below

Fees

$4,362Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	108	89.3%	-0.565%Below	$4,300Fees
Refinance	Acceptable	Acceptable	—	Acceptable	13	10.7%	-0.622%Below	$4,510Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume108

Mix89.3%

Spread

-0.565%Below

Fees

$4,300Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume13

Mix10.7%

Spread

-0.622%Below

Fees

$4,510Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

121

Applications

171

Volume

$51 million

Pricing & Closing

Avg Rate Spread

-0.570%

vs. market APOR

Avg Net Fees

$4,319

Origination − Credits

Pullthrough Rate

70.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$428,223

Avg Borrower Income

$198,727

Avg Property Value

$639,132

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

31Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast8

CTMEMANHNYPARIVT

Midwest6

IAINKSMIMOOH

South11

ARDCFLGAKYMDNCSCTXVAWV

West6

AKAZCACONMOR

Top Metro Areas by Place Specialization Score

Arlington, VA-WVMetro

Volume 36Mix 29.75% of portfolio

61/100

Strong

Washington, DC, DC-MDMetro

Volume 13Mix 10.74% of portfolio

51/100

Sound

Top States by Place Specialization Score

VirginiaState

Volume 39Mix 32.23% of portfolio

59/100

Sound

MarylandState

Volume 13Mix 10.74% of portfolio

45/100

Sound

FloridaState

Volume 10Mix 8.26% of portfolio

38/100

Acceptable

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.