What loan types does Westerra Credit Union offer?

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

Where does Westerra Credit Union offer mortgages?

Westerra Credit Union offers mortgages in 1 states: CO.

How competitive are Westerra Credit Union's mortgage rates?

Westerra Credit Union has an overall pricing score of 47.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Westerra Credit Union?

Westerra Credit Union is a Credit Union headquartered in Denver, CO.

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Westerra Credit Union

Credit Union•Denver, COHQ•Direct•Reviews near you on Google

Westerra Credit Union has 206 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

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

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

Explore another lender or local market

Report Card

Westerra Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+15.0 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

158 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

Jumbo

43 loans · 0.14% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

158 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

Refinance

48 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 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	Sound	Sound	Sound	Acceptable	158	76.7%	+0.145%Above	$1,877Fees
Jumbo Loans	Sound	Strong	Acceptable	Sound	43	20.9%	+0.142%Above	$2,465Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume158

Mix76.7%

Spread

+0.145%Above

Fees

$1,877Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume43

Mix20.9%

Spread

+0.142%Above

Fees

$2,465Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Sound	Acceptable	158	76.7%	+0.144%Above	$1,962Fees
Refinance	Sound	Sound	Strong	Acceptable	48	23.3%	+0.170%Above	$1,968Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume158

Mix76.7%

Spread

+0.144%Above

Fees

$1,962Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume48

Mix23.3%

Spread

+0.170%Above

Fees

$1,968Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

206

Applications

359

Volume

$117 million

Pricing & Closing

Avg Rate Spread

+0.150%

vs. market APOR

Avg Net Fees

$1,963

Origination − Credits

Pullthrough Rate

57.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$571,068

Avg Borrower Income

$229,626

Avg Property Value

$828,058

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

< 200200+None

West1

Top Metro Areas by Place Specialization Score

Denver, COMetro

Volume 164Mix 79.61% of portfolio

77/100

Strong

Boulder, COMetro

Volume 15Mix 7.28% of portfolio

51/100

Sound

Top States by Place Specialization Score

ColoradoState

Volume 206Mix 100.00% of portfolio

76/100

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.