# CREDIT UNION 1

> **Canonical URL:** https://saferate.com/lenders/credit-union-1


> **📋 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 UNION 1 is a credit union, headquartered in RANTOUL, IL, serving borrowers across 7 states, with 67 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 78% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493005T71YXBHEO2093
- **Headquarters:** RANTOUL, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** CA, GA, IL, IN, MN, NV, WI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.039%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,827
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 67
- **Dollar Volume:** $21 million
- **Applications Received:** 174
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $313,507
- **Average Borrower Income:** $144,642
- **Average Property Value:** $423,060

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 24/100 | 66 | -0.042% | $1,834 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 45 loans, Score: 23/100 (Acceptable)
- Refinance: 21 loans, Score: 32/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 45 | $13M | +0.052% | Acceptable 🙂 |
| Refinance | 30/100 | 22 | $8M | -0.215% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 44 | 0.04% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 31 | 58/100 |

## Frequently Asked Questions

### What loan types does CREDIT UNION 1 offer?

CREDIT UNION 1 offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CREDIT UNION 1 offer mortgages?

CREDIT UNION 1 offers mortgages in 7 states: CA, GA, IL, IN, MN, NV, WI.

### How competitive are CREDIT UNION 1's mortgage rates?

CREDIT UNION 1 has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.039% below market average.

### What type of lender is CREDIT UNION 1?

CREDIT UNION 1 is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in RANTOUL, IL.

### What is CREDIT UNION 1's loan approval success rate?

CREDIT UNION 1 has a pull-through score of 22/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-union-1

### How to Cite

> "CREDIT UNION 1 Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/credit-union-1

---

**[View Interactive Profile →](https://saferate.com/lenders/credit-union-1)**