# CINFED Federal Credit Union

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


CINFED Federal Credit Union is a credit union, headquartered in Cincinnati, OH, serving borrowers across 3 states, with 137 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 30% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300YJQ7L8XG0WT572
- **Headquarters:** Cincinnati, OH
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IN, KY, OH
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.131%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $653
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 137
- **Dollar Volume:** $46 million
- **Applications Received:** 305
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $339,307
- **Average Borrower Income:** $171,547
- **Average Property Value:** $497,117

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 124 | +0.124% | $575 | Acceptable 🙂 |
| Jumbo | 66/100 | 13 | +0.373% | $3,333 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 66 loans, Score: 32/100 (Acceptable)
- Refinance: 58 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 78 | $33M | +0.233% | Acceptable 🙂 |
| Refinance | 53/100 | 59 | $13M | +0.028% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 105 | 0.08% | 67/100 |
| KY | 31 | 0.07% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 131 | 80/100 |

## Where This Lender Ranks

CINFED Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Cincinnati, OH for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in Cincinnati, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Cincinnati, OH Credit Unions
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does CINFED Federal Credit Union offer?

CINFED 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 CINFED Federal Credit Union offer mortgages?

CINFED Federal Credit Union offers mortgages in 3 states: IN, KY, OH.

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

CINFED Federal Credit Union has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.131% above market average.

### What type of lender is CINFED Federal Credit Union?

CINFED Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Cincinnati, OH.

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

CINFED Federal Credit Union has a pull-through score of 39/100 (Acceptable). 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/cinfed-federal-credit-union

### How to Cite

> "CINFED Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cinfed-federal-credit-union

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