# Celco Community Federal Credit Union

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


Celco Community Federal Credit Union is a credit union, headquartered in Narrows, VA, serving borrowers across 2 states, with 29 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549009NMZ1FPA016I77
- **Headquarters:** Narrows, VA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** VA, WV
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.862%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $0
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 29
- **Dollar Volume:** $4 million
- **Applications Received:** 38
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $151,552
- **Average Borrower Income:** $103,517
- **Average Property Value:** $241,897

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 29 | +0.862% | $0 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 30/100 | 17 | $3M | +0.965% | Acceptable 🙂 |
| Refinance | 42/100 | 12 | $1M | +0.678% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 24 | 0.02% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Blacksburg | VA | 23 | 69/100 |

## Where This Lender Ranks

Celco Community Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Blacksburg for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/blacksburg/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#13** in Blacksburg
  - [View Full Rankings](https://saferate.com/blacksburg/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Celco Community Federal Credit Union offer?

Celco Community 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 Celco Community Federal Credit Union offer mortgages?

Celco Community Federal Credit Union offers mortgages in 2 states: VA, WV.

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

Celco Community Federal Credit Union has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.862% above market average.

### What type of lender is Celco Community Federal Credit Union?

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

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

Celco Community Federal Credit Union has a pull-through score of 43/100 (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/celco-community-federal-credit-union

### How to Cite

> "Celco Community Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/celco-community-federal-credit-union

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