# ACFCU Federal Credit Union

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


ACFCU Federal Credit Union is a credit union, headquartered in Amarillo, TX, with 54 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300P6CCUZE02WB068
- **Headquarters:** Amarillo, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +1.377%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $579
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 54
- **Dollar Volume:** $4 million
- **Applications Received:** 69
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $79,815
- **Average Borrower Income:** $71,481
- **Average Property Value:** $179,259

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 54 | +1.377% | $579 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Refinance: 54 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 64/100 | 54 | $4M | +1.377% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 54 | 0.02% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Amarillo, TX | TX | 44 | 69/100 |
| Non |  | 10 | 28/100 |

## Where This Lender Ranks

ACFCU Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Amarillo, TX Credit Unions
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Amarillo, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#16** in Amarillo, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in Amarillo, TX
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders)

## Frequently Asked Questions

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

ACFCU 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 ACFCU Federal Credit Union offer mortgages?

ACFCU Federal Credit Union offers mortgages in 1 states: TX.

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

ACFCU Federal Credit Union has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.377% above market average.

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

ACFCU Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Amarillo, TX.

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

ACFCU Federal Credit Union has a pull-through score of 49/100 (Sound). 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/acfcu-federal-credit-union

### How to Cite

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

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