# Bank-Fund Staff Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/bank-fund-staff-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


Bank-Fund Staff Federal Credit Union is a credit union, headquartered in WASHINGTON, DC, serving borrowers across 31 states, with 508 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** HIDXEG9BLUJZKBGUT764
- **Headquarters:** WASHINGTON, DC
- **Geographic Reach:** Near-National
- **States Served:** 31
- **State List:** AR, CA, CO, CT, DC, DE, FL, GA, IL, IN, MA, MD, MO, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.097%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-1,126
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 508
- **Dollar Volume:** $314 million
- **Applications Received:** 923
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $618,602
- **Average Borrower Income:** $247,618
- **Average Property Value:** $878,524

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 460 | -0.090% | $-1,017 | Sound ☺️ |
| Jumbo | 75/100 | 48 | -0.177% | $-2,421 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 416 loans, Score: 58/100 (Sound)
- Refinance: 44 loans, Score: 49/100 (Sound)

**Jumbo:**
- Purchase: 44 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 56/100 | 460 | $283M | -0.091% | Sound ☺️ |
| Refinance | 48/100 | 48 | $31M | -0.157% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 167 | 0.15% | 73/100 |
| DC | 129 | 2.25% | 85/100 |
| MD | 116 | 0.16% | 68/100 |
| CA | 13 | 0.00% | 39/100 |
| FL | 11 | 0.00% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arlington | VA-WV | 157 | 76/100 |
| Washington, DC | DC-MD | 133 | 82/100 |
| Frederick | MD | 95 | 79/100 |
| Baltimore | MD | 13 | 43/100 |
| Non |  | 11 | 21/100 |

## Where This Lender Ranks

Bank-Fund Staff Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Washington DC Credit Unions
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Washington, DC Credit Unions
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Washington, DC for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Washington DC
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders)
- 🥉 **#3** in Arlington Credit Unions
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Arlington for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Arlington for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Washington, DC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Washington DC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Frederick Credit Unions
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Frederick for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Frederick for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in Washington, DC
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders)
- 🏆 **#9** in Washington, DC for Jumbo Loans
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/jumbo-loans)
- 🏆 **#10** in Washington DC for Jumbo Loans
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/jumbo-loans)
- 🏆 **#16** in Frederick for Jumbo Loans
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in Arlington
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders)
- 🏆 **#19** in Frederick
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders)
- 🏆 **#20** in Arlington for Jumbo Loans
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Bank-Fund Staff Federal Credit Union offer?

Bank-Fund Staff Federal 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 Bank-Fund Staff Federal Credit Union offer mortgages?

Bank-Fund Staff Federal Credit Union offers mortgages in 31 states: AR, CA, CO, CT, DC, DE, FL, GA, IL, IN, MA, MD, MO, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV.

### How competitive are Bank-Fund Staff Federal Credit Union's mortgage rates?

Bank-Fund Staff Federal Credit Union has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.097% below market average.

### What type of lender is Bank-Fund Staff Federal Credit Union?

Bank-Fund Staff Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in WASHINGTON, DC.

### What is Bank-Fund Staff Federal Credit Union's loan approval success rate?

Bank-Fund Staff Federal Credit Union has a pull-through score of 46/100 (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/bank-fund-staff-federal-credit-union

### How to Cite

> "Bank-Fund Staff Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bank-fund-staff-federal-credit-union

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