# CREDIT HUMAN FEDERAL CREDIT UNION

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


CREDIT HUMAN FEDERAL CREDIT UNION is a credit union, headquartered in San Antonio, TX, serving borrowers across 4 states, with 213 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Q3ROEQU3D1IW91
- **Headquarters:** San Antonio, TX
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** CO, LA, NC, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.145%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,119
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 213
- **Dollar Volume:** $49 million
- **Applications Received:** 321
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $228,192
- **Average Borrower Income:** $116,197
- **Average Property Value:** $287,066

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 213 | +0.145% | $1,119 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 160 loans, Score: 54/100 (Sound)
- Refinance: 53 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 160 | $41M | +0.092% | Sound ☺️ |
| Refinance | 51/100 | 53 | $8M | +0.308% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 112 | 0.03% | 64/100 |
| LA | 99 | 0.28% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New Orleans | LA | 87 | 79/100 |
| San Antonio | TX | 86 | 69/100 |
| Houston | TX | 14 | 44/100 |

## Where This Lender Ranks

CREDIT HUMAN FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Louisiana Credit Unions
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Louisiana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in New Orleans Credit Unions
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in New Orleans for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in San Antonio Credit Unions
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in San Antonio for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in New Orleans
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders)
- 🏆 **#16** in Louisiana
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders)
- 🏆 **#16** in New Orleans for Conventional Loans
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in San Antonio
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders)
- 🏆 **#20** in San Antonio for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CREDIT HUMAN FEDERAL CREDIT UNION offer?

CREDIT HUMAN 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 CREDIT HUMAN FEDERAL CREDIT UNION offer mortgages?

CREDIT HUMAN FEDERAL CREDIT UNION offers mortgages in 4 states: CO, LA, NC, TX.

### How competitive are CREDIT HUMAN FEDERAL CREDIT UNION's mortgage rates?

CREDIT HUMAN FEDERAL CREDIT UNION has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.145% above market average.

### What type of lender is CREDIT HUMAN FEDERAL CREDIT UNION?

CREDIT HUMAN FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Antonio, TX.

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

CREDIT HUMAN FEDERAL CREDIT UNION has a pull-through score of 46/100 (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/credit-human-federal-credit-union

### How to Cite

> "CREDIT HUMAN FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/credit-human-federal-credit-union

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