We analyzed every closed loan from Summit Credit Union — 2.5k loans across 4k 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
Multi-Region · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Refinance
Champion
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 8.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
Summit Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 8.0 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,428 loans · 0.08% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
57 loans · 0.47% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,883 loans · 0.08% below market
Exceptional
Top 20% of lenders
5/5
Refinance
602 loans · 0.07% below market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 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 | 2,428 | 97.7% | -0.078%Below | $57Fees | ||||
Jumbo Loans | — | 57 | 2.3% | -0.468%Below | $447Credit |
Conventional
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume2,428
Mix97.7%
Spread
-0.078%Below
Fees
$57Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume57
Mix2.3%
Spread
-0.468%Below
Fees
$447Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,883 | 75.8% | -0.082%Below | $58Credit | ||||
Refinance | 602 | 24.2% | -0.075%Below | $325Fees |
Purchase
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughSound
Volume1,883
Mix75.8%
Spread
-0.082%Below
Fees
$58Credit
Refinance
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume602
Mix24.2%
Spread
-0.075%Below
Fees
$325Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,485
Applications
4,100
Volume
$783 million
Pricing & Closing
Avg Rate Spread
-0.080%
vs. market APOR
Avg Net Fees
$55
Origination − Credits
Pullthrough Rate
60.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$315,451
Avg Borrower Income
$144,631
Avg Property Value
$431,974
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest4
ILMIMNWI
South1
FL
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.