We analyzed every closed loan from TOWN AND COUNTRY Credit Union — 403 loans across 508 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Champion
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
TOWN AND COUNTRY Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 8.5 bps below market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
228 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
FHA
90 loans · 0.04% above market
Strong
Top 40% of lenders
4/5
VA
80 loans · 0.66% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
377 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
Refinance
26 loans · 0.03% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 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 | 228 | 56.6% | +0.034%Above | $3,279Fees | ||||
FHA Loans | 90 | 22.3% | +0.036%Above | $3,089Fees | ||||
VA Loans | 80 | 19.9% | -0.655%Below | $963Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume228
Mix56.6%
Spread
+0.034%Above
Fees
$3,279Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume90
Mix22.3%
Spread
+0.036%Above
Fees
$3,089Fees
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume80
Mix19.9%
Spread
-0.655%Below
Fees
$963Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 377 | 93.5% | -0.095%Below | $2,825Fees | ||||
Refinance | — | 26 | 6.5% | +0.027%Above | $3,247Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume377
Mix93.5%
Spread
-0.095%Below
Fees
$2,825Fees
Refinance
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume26
Mix6.5%
Spread
+0.027%Above
Fees
$3,247Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
403
Applications
508
Volume
$107 million
Pricing & Closing
Avg Rate Spread
-0.085%
vs. market APOR
Avg Net Fees
$2,859
Origination − Credits
Pullthrough Rate
79.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$267,804
Avg Borrower Income
$116,744
Avg Property Value
$323,710
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 5050+None
Midwest4
IAMNNDSD
South2
FLTX
West4
AZMTORWY
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.