What loan types does SUNBELT Federal Credit Union offer?

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

Where does SUNBELT Federal Credit Union offer mortgages?

SUNBELT Federal Credit Union offers mortgages in 1 states: MS.

How competitive are SUNBELT Federal Credit Union's mortgage rates?

SUNBELT Federal Credit Union has an overall pricing score of 49/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is SUNBELT Federal Credit Union?

SUNBELT Federal Credit Union is a Credit Union headquartered in Hattiesburg, MS.

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SUNBELT Federal Credit Union

Credit Union•Hattiesburg, MSHQ•Direct•Reviews near you on Google

SUNBELT Federal Credit Union has 46 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

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

SUNBELT Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+16.1 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

46 loans · 0.16% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

20 loans · 0.10% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

26 loans · 0.21% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 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	Sound	Acceptable	Sound	Sound	46	100.0%	+0.161%Above	$2,081Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume46

Mix100.0%

Spread

+0.161%Above

Fees

$2,081Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	20	43.5%	+0.097%Above	$2,476Fees
Refinance	Sound	Sound	Strong	Sound	26	56.5%	+0.213%Above	$1,765Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume20

Mix43.5%

Spread

+0.097%Above

Fees

$2,476Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume26

Mix56.5%

Spread

+0.213%Above

Fees

$1,765Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$7 million

Pricing & Closing

Avg Rate Spread

+0.161%

vs. market APOR

Avg Net Fees

$2,081

Origination − Credits

Pullthrough Rate

54.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$171,739

Avg Borrower Income

$103,043

Avg Property Value

$240,652

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Hattiesburg, MSMetro

Volume 17Mix 36.96% of portfolio

62/100

Strong

Top States by Place Specialization Score

MississippiState

Volume 46Mix 100.00% of portfolio

66/100

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.