# ADDITION FINANCIAL

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


> **📋 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


ADDITION FINANCIAL is a credit union, headquartered in Lake Mary, FL, serving borrowers across 4 states, with 83 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 79% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001ZUNE2DKEA4702
- **Headquarters:** Lake Mary, FL
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, PA, VA, VT
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.009%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,121
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 83
- **Dollar Volume:** $19 million
- **Applications Received:** 269
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $223,313
- **Average Borrower Income:** $139,651
- **Average Property Value:** $443,434

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 79 | +0.017% | $835 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 37 loans, Score: 23/100 (Acceptable)
- Refinance: 42 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 41 | $14M | +0.031% | Acceptable 🙂 |
| Refinance | 47/100 | 42 | $4M | -0.014% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 80 | 0.03% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Orlando | FL | 64 | 70/100 |

## Frequently Asked Questions

### What loan types does ADDITION FINANCIAL offer?

ADDITION FINANCIAL offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ADDITION FINANCIAL offer mortgages?

ADDITION FINANCIAL offers mortgages in 4 states: FL, PA, VA, VT.

### How competitive are ADDITION FINANCIAL's mortgage rates?

ADDITION FINANCIAL has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.009% above market average.

### What type of lender is ADDITION FINANCIAL?

ADDITION FINANCIAL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lake Mary, FL.

### What is ADDITION FINANCIAL's loan approval success rate?

ADDITION FINANCIAL has a pull-through score of 21/100 (Acceptable). 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/addition-financial

### How to Cite

> "ADDITION FINANCIAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/addition-financial

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