# CONSUMER Credit Union

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


CONSUMER Credit Union is a credit union, headquartered in Greeneville, TN, serving borrowers across 2 states, with 110 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300R14I3DX6ZMWL07
- **Headquarters:** Greeneville, TN
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MS, TN
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.986%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,118
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 110
- **Dollar Volume:** $24 million
- **Applications Received:** 160
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $222,182
- **Average Borrower Income:** $142,291
- **Average Property Value:** $346,727

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 109 | -0.986% | $2,118 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 53 loans, Score: 43/100 (Sound)
- Refinance: 56 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 53 | $13M | -0.988% | Sound ☺️ |
| Refinance | 62/100 | 57 | $11M | -0.983% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 109 | 0.12% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Morristown, TN | TN | 38 | 85/100 |
| Non |  | 33 | 44/100 |
| Knoxville, TN | TN | 15 | 50/100 |
| Johnson City, TN | TN | 13 | 50/100 |
| Kingsport | TN-VA | 11 | 49/100 |

## Where This Lender Ranks

CONSUMER Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Morristown, TN Credit Unions
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Morristown, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Morristown, TN
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders)
- 🥉 **#3** in Morristown, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Kingsport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Johnson City, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#17** in Johnson City, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in Kingsport for Conventional Loans
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CONSUMER Credit Union offer?

CONSUMER 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 CONSUMER Credit Union offer mortgages?

CONSUMER Credit Union offers mortgages in 2 states: MS, TN.

### How competitive are CONSUMER Credit Union's mortgage rates?

CONSUMER Credit Union has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.986% below market average.

### What type of lender is CONSUMER Credit Union?

CONSUMER Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Greeneville, TN.

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

CONSUMER Credit Union has a pull-through score of 51/100 (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/consumer-credit-union

### How to Cite

> "CONSUMER Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/consumer-credit-union

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