# 4FRONT CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/4front-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


4FRONT CREDIT UNION is a credit union, headquartered in Traverse City, MI, with 137 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900REWJG6071ZPT32
- **Headquarters:** Traverse City, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.507%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,335
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 137
- **Dollar Volume:** $25 million
- **Applications Received:** 206
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $180,620
- **Average Borrower Income:** $94,788
- **Average Property Value:** $271,277

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 136 | +0.514% | $1,310 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 42/100 (Sound)
- Refinance: 56 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 80 | $15M | +0.507% | Sound ☺️ |
| Refinance | 59/100 | 57 | $9M | +0.508% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 137 | 0.12% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 103 | 61/100 |
| Traverse City, MI | MI | 30 | 71/100 |

## Where This Lender Ranks

4FRONT CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Traverse City, MI Credit Unions
  - [View Full Rankings](https://saferate.com/traverse-city-mi/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Traverse City, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/traverse-city-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in Traverse City, MI
  - [View Full Rankings](https://saferate.com/traverse-city-mi/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does 4FRONT CREDIT UNION offer?

4FRONT CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 4FRONT CREDIT UNION offer mortgages?

4FRONT CREDIT UNION offers mortgages in 1 states: MI.

### How competitive are 4FRONT CREDIT UNION's mortgage rates?

4FRONT CREDIT UNION has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.507% above market average.

### What type of lender is 4FRONT CREDIT UNION?

4FRONT CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Traverse City, MI.

### What is 4FRONT CREDIT UNION's loan approval success rate?

4FRONT CREDIT UNION has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/4front-credit-union

### How to Cite

> "4FRONT CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/4front-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/4front-credit-union)**