What loan types does UNCLE Credit Union offer?

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

Where does UNCLE Credit Union offer mortgages?

UNCLE Credit Union offers mortgages in 1 states: CA.

How competitive are UNCLE Credit Union's mortgage rates?

UNCLE Credit Union has an overall pricing score of 21.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is UNCLE Credit Union?

UNCLE Credit Union is a Credit Union headquartered in Livermore, US.

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UNCLE Credit Union

Credit Union•Livermore, USHQ•Direct•Reviews near you on Google

UNCLE Credit Union has 53 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

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

UNCLE Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

Rates 3.3 bps below market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

31 loans · 0.06% above market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

22 loans · 0.16% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

32 loans · 0.04% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

21 loans · 0.03% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 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	Acceptable	Acceptable	—	Mediocre	31	58.5%	+0.060%Above	$1,800Fees
Jumbo Loans	Strong	Strong	—	Strong	22	41.5%	-0.156%Below	$1,689Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume31

Mix58.5%

Spread

+0.060%Above

Fees

$1,800Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume22

Mix41.5%

Spread

-0.156%Below

Fees

$1,689Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Acceptable	—	Mediocre	32	60.4%	-0.039%Below	$1,715Fees
Refinance	Acceptable	Acceptable	—	Sound	21	39.6%	-0.025%Below	$1,800Fees

Purchase

Overall

Mediocre

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume32

Mix60.4%

Spread

-0.039%Below

Fees

$1,715Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume21

Mix39.6%

Spread

-0.025%Below

Fees

$1,800Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

115

Volume

$47 million

Pricing & Closing

Avg Rate Spread

-0.033%

vs. market APOR

Avg Net Fees

$1,752

Origination − Credits

Pullthrough Rate

46.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$891,792

Avg Borrower Income

$340,000

Avg Property Value

$1,382,925

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

< 5050+None

West1

Top Metro Areas by Place Specialization Score

Oakland, CAMetro

Volume 26Mix 49.06% of portfolio

62/100

Strong

Stockton, CAMetro

Volume 15Mix 28.30% of portfolio

59/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 53Mix 100.00% of portfolio

60/100

Sound

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.