We analyzed every closed loan from Wright-Patt Credit Union — 2.2k 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
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
Purchase
Champion
FHA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 38.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Wright-Patt Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 38.5 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,010 loans · 0.43% below market
Exceptional
Top 20% of lenders
5/5
FHA
92 loans · 0.53% above market
Strong
Top 40% of lenders
4/5
VA
35 loans · 0.12% below market
Strong
Top 40% of lenders
4/5
Jumbo
18 loans · 0.82% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,842 loans · 0.45% below market
Exceptional
Top 20% of lenders
5/5
Refinance
317 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 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 | 2,010 | 93.1% | -0.435%Below | $387Fees | ||||
FHA Loans | 92 | 4.3% | +0.533%Above | $366Fees | ||||
VA Loans | 35 | 1.6% | -0.119%Below | $1,752Fees | ||||
Jumbo Loans | — | 18 | 0.8% | -0.822%Below | $943Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume2,010
Mix93.1%
Spread
-0.435%Below
Fees
$387Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume92
Mix4.3%
Spread
+0.533%Above
Fees
$366Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume35
Mix1.6%
Spread
-0.119%Below
Fees
$1,752Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume18
Mix0.8%
Spread
-0.822%Below
Fees
$943Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,842 | 85.3% | -0.451%Below | $337Fees | ||||
Refinance | 317 | 14.7% | -0.064%Below | $764Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,842
Mix85.3%
Spread
-0.451%Below
Fees
$337Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume317
Mix14.7%
Spread
-0.064%Below
Fees
$764Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,159
Applications
2,990
Volume
$523 million
Pricing & Closing
Avg Rate Spread
-0.385%
vs. market APOR
Avg Net Fees
$410
Origination − Credits
Pullthrough Rate
72.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$242,564
Avg Borrower Income
$118,571
Avg Property Value
$302,541
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
20Full-year 2024 · HMDALoans originated
< 1010+None
Northeast2
NJPA
Midwest5
INMIMNOHWI
South9
ALFLGAKYNCOKSCTNVA
West4
AZIDUTWA
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.