# CFCU COMMUNITY Credit Union

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


CFCU COMMUNITY Credit Union is a credit union, headquartered in Ithaca, NY, with 218 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 3% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ZZIAVB1U6Z4S78
- **Headquarters:** Ithaca, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 97/100
- Rating: ●●●●● (5/5)

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

### Pricing Details
- **Average Rate Spread:** -0.719%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 218
- **Dollar Volume:** $58 million
- **Applications Received:** 253
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $267,752
- **Average Borrower Income:** $156,500
- **Average Property Value:** $353,486

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 212 | -0.719% | $3 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 194 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 200 | $56M | -0.729% | Strong 😀 |
| Refinance | 27/100 | 18 | $3M | -0.625% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 218 | 0.19% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Ithaca, NY | NY | 130 | 100/100 |
| Non |  | 56 | 49/100 |
| Syracuse, NY | NY | 17 | 50/100 |

## Where This Lender Ranks

CFCU COMMUNITY Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Ithaca, NY
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders)
- 🥈 **#2** in Ithaca, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/ithaca-ny/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Syracuse, NY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Syracuse, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CFCU COMMUNITY Credit Union offer?

CFCU COMMUNITY 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 CFCU COMMUNITY Credit Union offer mortgages?

CFCU COMMUNITY Credit Union offers mortgages in 1 states: NY.

### How competitive are CFCU COMMUNITY Credit Union's mortgage rates?

CFCU COMMUNITY Credit Union has a pricing score of 97/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.719% below market average.

### What type of lender is CFCU COMMUNITY Credit Union?

CFCU COMMUNITY Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Ithaca, NY.

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

CFCU COMMUNITY Credit Union has a pull-through score of 82/100 (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/cfcu-community-credit-union

### How to Cite

> "CFCU COMMUNITY Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cfcu-community-credit-union

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