# CPM Federal Credit Union

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


CPM Federal Credit Union is a credit union, headquartered in North Charleston, SC, serving borrowers across 6 states, with 112 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300I3LFY4G7F9CE90
- **Headquarters:** North Charleston, SC
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** CO, FL, KS, NC, OK, SC
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.580%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,671
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 112
- **Dollar Volume:** $38 million
- **Applications Received:** 202
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $343,036
- **Average Borrower Income:** $125,705
- **Average Property Value:** $500,893

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 105 | -0.563% | $2,541 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 60 loans, Score: 32/100 (Acceptable)
- Refinance: 45 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 66 | $26M | -0.641% | Acceptable 🙂 |
| Refinance | 48/100 | 46 | $13M | -0.477% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| SC | 101 | 0.13% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Greenville | SC | 34 | 66/100 |
| Spartanburg, SC | SC | 22 | 61/100 |
| Hilton Head Island | SC | 20 | 63/100 |
| Non |  | 12 | 28/100 |
| Charleston | SC | 10 | 45/100 |

## Where This Lender Ranks

CPM Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Hilton Head Island for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/hilton-head-island/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Greenville Credit Unions
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Spartanburg, SC Credit Unions
  - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Spartanburg, SC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Greenville for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#20** in Hilton Head Island
  - [View Full Rankings](https://saferate.com/hilton-head-island/best-mortgage-lenders)

## Frequently Asked Questions

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

CPM 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 CPM Federal Credit Union offer mortgages?

CPM Federal Credit Union offers mortgages in 6 states: CO, FL, KS, NC, OK, SC.

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

CPM Federal Credit Union has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.580% below market average.

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

CPM Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in North Charleston, SC.

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

CPM Federal Credit Union has a pull-through score of 40/100 (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/cpm-federal-credit-union

### How to Cite

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

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