# CONSUMERS CREDIT UNION

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


CONSUMERS CREDIT UNION is a credit union, headquartered in Kalamazoo, MI, serving borrowers across 2 states, with 1,214 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300GSYIBSO9N4PB10
- **Headquarters:** Kalamazoo, MI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IN, MI
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.288%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,335
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,214
- **Dollar Volume:** $324 million
- **Applications Received:** 1,727
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $267,026
- **Average Borrower Income:** $127,079
- **Average Property Value:** $343,896

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 1,200 | +0.288% | $1,338 | Exceptional 🤩 |
| Jumbo | 64/100 | 14 | +0.431% | $879 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 977 loans, Score: 81/100 (Exceptional)
- Refinance: 223 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 79/100 | 990 | $280M | +0.303% | Strong 😀 |
| Refinance | 77/100 | 224 | $44M | +0.223% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 1,200 | 1.06% | 88/100 |
| IN | 14 | 0.02% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kalamazoo | MI | 413 | 100/100 |
| Grand Rapids | MI | 347 | 80/100 |
| Non |  | 245 | 64/100 |
| Muskegon | MI | 50 | 69/100 |
| Battle Creek, MI | MI | 40 | 70/100 |
| Lansing | MI | 34 | 58/100 |
| Niles, MI | MI | 20 | 53/100 |
| Warren | MI | 13 | 42/100 |
| Detroit | MI | 11 | 41/100 |

## Where This Lender Ranks

CONSUMERS CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Michigan Credit Unions
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Michigan for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Kalamazoo
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders)
- 🥈 **#2** in Kalamazoo Credit Unions
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Kalamazoo for Conventional Loans
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Kalamazoo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Kalamazoo for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Kalamazoo for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Grand Rapids Credit Unions
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Grand Rapids for Conventional Loans
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Grand Rapids for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Muskegon for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Michigan for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Grand Rapids
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders)
- 🥉 **#3** in Muskegon for Conventional Loans
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Lansing for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Michigan for Conventional Loans
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Muskegon
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders)
- 🏆 **#4** in Battle Creek, MI Credit Unions
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Battle Creek, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does CONSUMERS CREDIT UNION offer?

CONSUMERS 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 CONSUMERS CREDIT UNION offer mortgages?

CONSUMERS CREDIT UNION offers mortgages in 2 states: IN, MI.

### How competitive are CONSUMERS CREDIT UNION's mortgage rates?

CONSUMERS CREDIT UNION has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.288% above market average.

### What type of lender is CONSUMERS CREDIT UNION?

CONSUMERS CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Kalamazoo, MI.

### What is CONSUMERS CREDIT UNION's loan approval success rate?

CONSUMERS CREDIT UNION has a pull-through score of 73/100 (Strong). 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/consumers-credit-union

### How to Cite

> "CONSUMERS CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/consumers-credit-union

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