We analyzed every closed loan from Veridian Credit Union — 2.7k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
VA
Champion
Purchase
Champion
Refinance
Champion
Summary
What They Do Well
- Offers rates 22.20 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
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Report Card
Veridian Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 22.2 bps below market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,584 loans · 0.20% below market
Exceptional
Top 20% of lenders
5/5
VA
94 loans · 0.80% below market
Strong
Top 40% of lenders
4/5
Jumbo
29 loans · 0.45% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,218 loans · 0.20% below market
Exceptional
Top 20% of lenders
5/5
Refinance
489 loans · 0.36% below market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 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 | 2,584 | 95.5% | -0.201%Below | $336Fees | ||||
VA Loans | 94 | 3.5% | -0.795%Below | $276Fees | ||||
Jumbo Loans | — | 29 | 1.1% | -0.449%Below | $332Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume2,584
Mix95.5%
Spread
-0.201%Below
Fees
$336Fees
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume94
Mix3.5%
Spread
-0.795%Below
Fees
$276Fees
Jumbo Loans
OverallExceptional
ProductStrong
Pricing—
Pull ThroughExceptional
Volume29
Mix1.1%
Spread
-0.449%Below
Fees
$332Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,218 | 81.9% | -0.203%Below | $327Fees | ||||
Refinance | 489 | 18.1% | -0.356%Below | $387Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume2,218
Mix81.9%
Spread
-0.203%Below
Fees
$327Fees
Refinance
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume489
Mix18.1%
Spread
-0.356%Below
Fees
$387Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,707
Applications
3,381
Volume
$661 million
Pricing & Closing
Avg Rate Spread
-0.222%
vs. market APOR
Avg Net Fees
$334
Origination − Credits
Pullthrough Rate
80.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$244,472
Avg Borrower Income
$116,116
Avg Property Value
$323,319
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 2020–5050–500500+None
Midwest7
IAILMNMONESDWI
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.