# Apple Federal Credit Union

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


Apple Federal Credit Union is a credit union, headquartered in Fairfax, VA, serving borrowers across 5 states, with 263 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900NZCGMT6517BA94
- **Headquarters:** Fairfax, VA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** DC, MD, NC, VA, WV
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.071%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,329
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 263
- **Dollar Volume:** $111 million
- **Applications Received:** 363
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $421,654
- **Average Borrower Income:** $163,198
- **Average Property Value:** $574,125

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 260 | -0.071% | $2,329 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 195 loans, Score: 50/100 (Sound)
- Refinance: 65 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 198 | $89M | -0.057% | Sound ☺️ |
| Refinance | 53/100 | 65 | $22M | -0.098% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 223 | 0.21% | 78/100 |
| MD | 18 | 0.03% | 47/100 |
| WV | 13 | 0.08% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arlington | VA-WV | 181 | 80/100 |
| Winchester, VA | VA-WV | 19 | 64/100 |
| Non |  | 15 | 27/100 |
| Hagerstown | MD-WV | 10 | 46/100 |

## Where This Lender Ranks

Apple Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Arlington Credit Unions
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Arlington for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Hagerstown for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Virginia Credit Unions
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Virginia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Arlington
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders)
- 🏆 **#16** in Virginia
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders)
- 🏆 **#18** in Winchester, VA for Conventional Loans
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

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

Apple 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 Apple Federal Credit Union offer mortgages?

Apple Federal Credit Union offers mortgages in 5 states: DC, MD, NC, VA, WV.

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

Apple Federal Credit Union has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.071% below market average.

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

Apple Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fairfax, VA.

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

Apple Federal Credit Union has a pull-through score of 60/100 (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/apple-federal-credit-union

### How to Cite

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

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