United Federal Credit Union
We analyzed every closed loan from United Federal Credit Union — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Near-National · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
- Nationwide availability with consistent service
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Report Card
United Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+12.7 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
932 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
FHA
63 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
Jumbo
38 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
870 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
Refinance
174 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 9 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 | 932 | 89.3% | +0.097%Above | $1,502Fees | ||||
FHA Loans | 63 | 6.0% | +0.487%Above | $1,800Fees | ||||
Jumbo Loans | — | 38 | 3.6% | +0.275%Above | $2,177Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume932
Mix89.3%
Spread
+0.097%Above
Fees
$1,502Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume63
Mix6.0%
Spread
+0.487%Above
Fees
$1,800Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume38
Mix3.6%
Spread
+0.275%Above
Fees
$2,177Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 870 | 83.3% | +0.163%Above | $1,504Fees | ||||
Refinance | 174 | 16.7% | -0.053%Below | $1,721Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume870
Mix83.3%
Spread
+0.163%Above
Fees
$1,504Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume174
Mix16.7%
Spread
-0.053%Below
Fees
$1,721Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,044
Applications
1,464
Volume
$331 million
Pricing & Closing
Avg Rate Spread
+0.127%
vs. market APOR
Avg Net Fees
$1,540
Origination − Credits
Pullthrough Rate
71.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$317,452
Avg Borrower Income
$141,284
Avg Property Value
$426,724
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
27
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
27Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast4
MANJPARI
Midwest7
ILINMIMNMOOHWI
South11
ARFLGAMDNCOKSCTNTXVAWV
West5
CAIDMTNVWA
Top States by Place Specialization Score
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.