# CREDIT UNION FINANCIAL SERVICES, LLC

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


> **📋 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 FINANCIAL SERVICES, LLC is a independent mortgage company, headquartered in Suwanee, GA, serving borrowers across 3 states, with 114 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300VKT6APHQW3YT06
- **Headquarters:** Suwanee, GA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AL, FL, GA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.3%
- **Brokered/Wholesale:** 0.7%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.343%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,236
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 114
- **Dollar Volume:** $28 million
- **Applications Received:** 144
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $249,035
- **Average Borrower Income:** $122,675
- **Average Property Value:** $354,825

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 110 | -0.335% | $1,204 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 54 loans, Score: 25/100 (Acceptable)
- Refinance: 56 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 26/100 | 58 | $17M | -0.271% | Acceptable 🙂 |
| Refinance | 43/100 | 56 | $12M | -0.430% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 108 | 0.08% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 42 | 62/100 |
| Non |  | 24 | 38/100 |
| Macon | GA | 10 | 50/100 |
| Marietta, GA | GA | 10 | 45/100 |

## Where This Lender Ranks

CREDIT UNION FINANCIAL SERVICES, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Macon for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does CREDIT UNION FINANCIAL SERVICES, LLC offer?

CREDIT UNION FINANCIAL SERVICES, LLC 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 FINANCIAL SERVICES, LLC offer mortgages?

CREDIT UNION FINANCIAL SERVICES, LLC offers mortgages in 3 states: AL, FL, GA.

### How competitive are CREDIT UNION FINANCIAL SERVICES, LLC's mortgage rates?

CREDIT UNION FINANCIAL SERVICES, LLC has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.343% below market average.

### What type of lender is CREDIT UNION FINANCIAL SERVICES, LLC?

CREDIT UNION FINANCIAL SERVICES, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Suwanee, GA.

### What is CREDIT UNION FINANCIAL SERVICES, LLC's loan approval success rate?

CREDIT UNION FINANCIAL SERVICES, LLC has a pull-through score of 60/100 (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/credit-union-financial-services

### How to Cite

> "CREDIT UNION FINANCIAL SERVICES, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/credit-union-financial-services

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