# Cedar Point Federal Credit Union

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


Cedar Point Federal Credit Union is a credit union, headquartered in Lexington Park, MD, with 31 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900SEH2UUXVW21S97
- **Headquarters:** Lexington Park, MD
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MD
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.397%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,298
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 31
- **Dollar Volume:** $9 million
- **Applications Received:** 40
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $305,000
- **Average Borrower Income:** $154,355
- **Average Property Value:** $542,097

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 30 | +0.349% | $1,991 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 24 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 51/100 | 24 | $7M | +0.261% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 31 | 0.04% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lexington Park, MD | MD | 31 | 68/100 |

## Where This Lender Ranks

Cedar Point Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Lexington Park, MD
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Cedar Point Federal Credit Union offer?

Cedar Point 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 Cedar Point Federal Credit Union offer mortgages?

Cedar Point Federal Credit Union offers mortgages in 1 states: MD.

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

Cedar Point Federal Credit Union has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.397% above market average.

### What type of lender is Cedar Point Federal Credit Union?

Cedar Point Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lexington Park, MD.

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

Cedar Point Federal Credit Union has a pull-through score of 45/100 (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/cedar-point-federal-credit-union

### How to Cite

> "Cedar Point Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cedar-point-federal-credit-union

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