# AMERICA'S CREDIT UNION, A

> **Canonical URL:** https://saferate.com/lenders/americas-credit-union-a


> **📋 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


AMERICA'S CREDIT UNION, A is a credit union, headquartered in Dupont, WA, with 31 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930083D8Q8RK84Y448
- **Headquarters:** Dupont, WA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WA
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.529%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,862
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 31
- **Dollar Volume:** $17 million
- **Applications Received:** 44
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $558,871
- **Average Borrower Income:** $330,452
- **Average Property Value:** $745,323

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 15/100 | 25 | -0.523% | $1,159 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 20 loans, Score: 17/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 20/100 | 25 | $15M | -0.571% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 31 | 0.04% | 61/100 |

## Frequently Asked Questions

### What loan types does AMERICA'S CREDIT UNION, A offer?

AMERICA'S CREDIT UNION, A offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICA'S CREDIT UNION, A offer mortgages?

AMERICA'S CREDIT UNION, A offers mortgages in 1 states: WA.

### How competitive are AMERICA'S CREDIT UNION, A's mortgage rates?

AMERICA'S CREDIT UNION, A has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.529% below market average.

### What type of lender is AMERICA'S CREDIT UNION, A?

AMERICA'S CREDIT UNION, A is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Dupont, WA.

### What is AMERICA'S CREDIT UNION, A's loan approval success rate?

AMERICA'S CREDIT UNION, A has a pull-through score of 38/100 (Acceptable). 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/americas-credit-union-a

### How to Cite

> "AMERICA'S CREDIT UNION, A Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/americas-credit-union-a

---

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