United Nations Federal Credit Union
We analyzed every closed loan from United Nations Federal Credit Union — 933 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
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 48.40 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
United Nations Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 48.4 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
791 loans · 0.48% below market
Sound
Top 60% of lenders
3/5
Jumbo
142 loans · 0.52% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
794 loans · 0.47% below market
Sound
Top 60% of lenders
3/5
Refinance
139 loans · 0.54% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 15 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 | 791 | 84.8% | -0.477%Below | $108Fees | ||||
Jumbo Loans | 142 | 15.2% | -0.523%Below | $122Credit |
Conventional
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume791
Mix84.8%
Spread
-0.477%Below
Fees
$108Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume142
Mix15.2%
Spread
-0.523%Below
Fees
$122Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 794 | 85.1% | -0.474%Below | $511Fees | ||||
Refinance | 139 | 14.9% | -0.537%Below | $2,420Credit |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume794
Mix85.1%
Spread
-0.474%Below
Fees
$511Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume139
Mix14.9%
Spread
-0.537%Below
Fees
$2,420Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
933
Applications
1,476
Volume
$613 million
Pricing & Closing
Avg Rate Spread
-0.484%
vs. market APOR
Avg Net Fees
$76
Origination − Credits
Pullthrough Rate
63.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$657,272
Avg Borrower Income
$274,625
Avg Property Value
$937,176
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
31Full-year 2024 · HMDALoans originated
< 1010–2020–5050–100100+None
Northeast7
CTMANHNJNYPARI
Midwest4
ILKSMIMN
South13
ARDCDEFLGAKYMDNCSCTNTXVAWV
West7
AZCACONVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 14 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
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.