# Abound Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/abound-federal-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


Abound Federal Credit Union is a credit union, headquartered in Radcliff, KY, serving borrowers across 2 states, with 385 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900LEJ4HP6RMWD374
- **Headquarters:** Radcliff, KY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IN, KY
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.163%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-230
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 385
- **Dollar Volume:** $96 million
- **Applications Received:** 705
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $250,584
- **Average Borrower Income:** $109,732
- **Average Property Value:** $329,182

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 373 | -0.152% | $-234 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 254 loans, Score: 70/100 (Strong)
- Refinance: 119 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 262 | $65M | -0.159% | Strong 😀 |
| Refinance | 72/100 | 123 | $32M | -0.173% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 375 | 0.81% | 86/100 |
| IN | 10 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Elizabethtown, KY | KY | 122 | 100/100 |
| Non |  | 111 | 57/100 |
| Louisville/Jefferson County, KY | KY-IN | 95 | 74/100 |
| Bowling Green, KY | KY | 39 | 69/100 |
| Owensboro, KY | KY | 11 | 46/100 |

## Where This Lender Ranks

Abound Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Kentucky for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Elizabethtown, KY
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders)
- 🥇 **#1** in Elizabethtown, KY for Conventional Loans
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Kentucky Credit Unions
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Kentucky for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Louisville/Jefferson County, KY Credit Unions
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Louisville/Jefferson County, KY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Bowling Green, KY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Owensboro, KY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Kentucky
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders)
- 🥉 **#3** in Bowling Green, KY for Conventional Loans
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Kentucky for Conventional Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Bowling Green, KY
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders)
- 🏆 **#4** in Owensboro, KY for Conventional Loans
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Louisville/Jefferson County, KY
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders)
- 🏆 **#8** in Louisville/Jefferson County, KY for Conventional Loans
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Kentucky for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Abound Federal Credit Union offer?

Abound Federal 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 Abound Federal Credit Union offer mortgages?

Abound Federal Credit Union offers mortgages in 2 states: IN, KY.

### How competitive are Abound Federal Credit Union's mortgage rates?

Abound Federal Credit Union has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.163% below market average.

### What type of lender is Abound Federal Credit Union?

Abound Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Radcliff, KY.

### What is Abound Federal Credit Union's loan approval success rate?

Abound Federal Credit Union has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/abound-federal-credit-union

### How to Cite

> "Abound Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/abound-federal-credit-union

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