What loan types does Vibe Credit Union offer?

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

Where does Vibe Credit Union offer mortgages?

Vibe Credit Union offers mortgages in 5 states: AZ, KY, MI, NC, TN.

How competitive are Vibe Credit Union's mortgage rates?

Vibe Credit Union has an overall pricing score of 89.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Vibe Credit Union?

Vibe Credit Union is a Credit Union headquartered in Novi, MI.

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Vibe Credit Union

Credit Union•Novi, MIHQ•Direct•Reviews near you on Google

Vibe Credit Union has 172 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

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 7.10 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Vibe Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 7.1 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

172 loans · 0.07% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

59 loans · 0.06% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

113 loans · 0.09% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 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	Strong	Sound	Exceptional	Sound	172	100.0%	-0.071%Below	$715Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume172

Mix100.0%

Spread

-0.071%Below

Fees

$715Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	59	34.3%	-0.060%Below	$796Fees
Refinance	Strong	Sound	Exceptional	Strong	113	65.7%	-0.090%Below	$568Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume59

Mix34.3%

Spread

-0.060%Below

Fees

$796Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume113

Mix65.7%

Spread

-0.090%Below

Fees

$568Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

172

Applications

235

Volume

$23 million

Pricing & Closing

Avg Rate Spread

-0.071%

vs. market APOR

Avg Net Fees

$715

Origination − Credits

Pullthrough Rate

73.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$138,430

Avg Borrower Income

$84,907

Avg Property Value

$254,884

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

5Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

South3

KYNCTN

West1

Top Metro Areas by Place Specialization Score

Warren, MIMetro

Volume 98Mix 56.98% of portfolio

72/100

Strong

Detroit, MIMetro

Volume 54Mix 31.40% of portfolio

67/100

Strong

Top States by Place Specialization Score

MichiganState

Volume 168Mix 97.67% of portfolio

73/100

Strong

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.