# Associated Credit Union

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


Associated Credit Union is a credit union, headquartered in Norcross, GA, serving borrowers across 6 states, with 508 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 47% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900132A3VX6LLZU43
- **Headquarters:** Norcross, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AL, FL, GA, NC, SC, TN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.9%
- **Brokered/Wholesale:** 0.1%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -1.253%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,031
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 508
- **Dollar Volume:** $209 million
- **Applications Received:** 902
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $411,358
- **Average Borrower Income:** $168,909
- **Average Property Value:** $578,577

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 476 | -1.235% | $3,934 | Sound ☺️ |
| Jumbo | 70/100 | 32 | -1.543% | $5,639 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 351 loans, Score: 53/100 (Sound)
- Refinance: 125 loans, Score: 62/100 (Strong)

**Jumbo:**
- Purchase: 30 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 381 | $176M | -1.317% | Sound ☺️ |
| Refinance | 58/100 | 127 | $33M | -1.024% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 481 | 0.35% | 82/100 |
| FL | 11 | 0.00% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 311 | 83/100 |
| Marietta, GA | GA | 102 | 75/100 |
| Non |  | 34 | 36/100 |
| Augusta | GA-SC | 20 | 54/100 |

## Where This Lender Ranks

Associated Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Atlanta for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Georgia for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Atlanta Credit Unions
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Marietta, GA Credit Unions
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Marietta, GA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Marietta, GA for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Georgia Credit Unions
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Georgia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Atlanta for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Augusta Credit Unions
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Augusta for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Atlanta for Jumbo Loans
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in Georgia for Jumbo Loans
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Marietta, GA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Associated Credit Union offer?

Associated Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Associated Credit Union offer mortgages?

Associated Credit Union offers mortgages in 6 states: AL, FL, GA, NC, SC, TN.

### How competitive are Associated Credit Union's mortgage rates?

Associated Credit Union has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.253% below market average.

### What type of lender is Associated Credit Union?

Associated Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Norcross, GA.

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

Associated Credit Union has a pull-through score of 47/100 (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/associated-credit-union

### How to Cite

> "Associated Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/associated-credit-union

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