# CAMPUS USA CREDIT UNION

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


CAMPUS USA CREDIT UNION is a credit union, headquartered in Newberry, FL, serving borrowers across 7 states, with 387 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 18% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BPDFS1CLV7K329
- **Headquarters:** Newberry, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AL, FL, GA, MD, NC, PA, SC
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.090%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $817
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 387
- **Dollar Volume:** $105 million
- **Applications Received:** 448
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $272,416
- **Average Borrower Income:** $172,416
- **Average Property Value:** $414,432

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 377 | +0.106% | $793 | Strong 😀 |
| Jumbo | 58/100 | 10 | -1.044% | $2,500 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 250 loans, Score: 65/100 (Strong)
- Refinance: 127 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 260 | $86M | -0.134% | Strong 😀 |
| Refinance | 73/100 | 127 | $20M | +0.367% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 374 | 0.13% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Gainesville, FL | FL | 178 | 100/100 |
| Ocala, FL | FL | 89 | 81/100 |
| Non |  | 51 | 45/100 |
| Tallahassee, FL | FL | 15 | 50/100 |
| Orlando | FL | 11 | 42/100 |

## Where This Lender Ranks

CAMPUS USA CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Gainesville, FL
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders)
- 🥇 **#1** in Gainesville, FL for Conventional Loans
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Gainesville, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Gainesville, FL for Jumbo Loans
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Gainesville, FL for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Ocala, FL
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders)
- 🥇 **#1** in Ocala, FL Credit Unions
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Ocala, FL for Conventional Loans
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Ocala, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Tallahassee, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Tallahassee, FL for Conventional Loans
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CAMPUS USA CREDIT UNION offer?

CAMPUS USA 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 CAMPUS USA CREDIT UNION offer mortgages?

CAMPUS USA CREDIT UNION offers mortgages in 7 states: AL, FL, GA, MD, NC, PA, SC.

### How competitive are CAMPUS USA CREDIT UNION's mortgage rates?

CAMPUS USA CREDIT UNION has a pricing score of 82/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.090% above market average.

### What type of lender is CAMPUS USA CREDIT UNION?

CAMPUS USA CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Newberry, FL.

### What is CAMPUS USA CREDIT UNION's loan approval success rate?

CAMPUS USA CREDIT UNION has a pull-through score of 83/100 (Exceptional). 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/campus-usa-credit-union

### How to Cite

> "CAMPUS USA CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/campus-usa-credit-union

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