# CREDIT UNION MORTGAGE ASSOCIATION, INC.

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


> **📋 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 MORTGAGE ASSOCIATION, INC. is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers nationwide, with 970 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300DNWSJUNAWUM003
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** National
- **States Served:** 42
- **State List:** AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NH, NJ, NM, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV
- **Markets (MSAs):** 17
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.539%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,807
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 970
- **Dollar Volume:** $332 million
- **Applications Received:** 1,835
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $342,557
- **Average Borrower Income:** $154,861
- **Average Property Value:** $482,412

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 902 | -0.562% | $1,806 | Strong 😀 |
| FHA | 56/100 | 41 | -0.057% | $1,716 | Sound ☺️ |
| VA | 40/100 | 17 | -0.538% | $559 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 663 loans, Score: 56/100 (Sound)
- Refinance: 239 loans, Score: 69/100 (Strong)

**FHA:**
- Purchase: 35 loans, Score: 40/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 723 | $260M | -0.521% | Sound ☺️ |
| Refinance | 65/100 | 247 | $72M | -0.592% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 187 | 0.27% | 71/100 |
| VA | 154 | 0.14% | 69/100 |
| NC | 116 | 0.08% | 61/100 |
| PA | 88 | 0.07% | 61/100 |
| FL | 60 | 0.02% | 51/100 |
| IL | 38 | 0.03% | 51/100 |
| NY | 38 | 0.03% | 51/100 |
| TN | 36 | 0.04% | 51/100 |
| DC | 31 | 0.54% | 59/100 |
| OH | 24 | 0.02% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 154 | 58/100 |
| Arlington | VA-WV | 101 | 68/100 |
| Baltimore | MD | 92 | 67/100 |
| Washington, DC | DC-MD | 72 | 70/100 |
| Frederick | MD | 40 | 62/100 |
| Charlotte | NC-SC | 28 | 51/100 |
| Richmond, VA | VA | 28 | 54/100 |
| Chicago | IL | 24 | 48/100 |
| Memphis, TN |  | 22 | 50/100 |
| Winston | NC | 22 | 53/100 |
| Fayetteville, NC | NC | 17 | 50/100 |
| Rochester, NY | NY | 17 | 47/100 |
| West Palm Beach | FL | 16 | 47/100 |
| Louisville/Jefferson County, KY | KY-IN | 14 | 45/100 |
| Fort Lauderdale | FL | 11 | 41/100 |

## Frequently Asked Questions

### What loan types does CREDIT UNION MORTGAGE ASSOCIATION, INC. offer?

CREDIT UNION MORTGAGE ASSOCIATION, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CREDIT UNION MORTGAGE ASSOCIATION, INC. offer mortgages?

CREDIT UNION MORTGAGE ASSOCIATION, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are CREDIT UNION MORTGAGE ASSOCIATION, INC.'s mortgage rates?

CREDIT UNION MORTGAGE ASSOCIATION, INC. has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.539% below market average.

### What type of lender is CREDIT UNION MORTGAGE ASSOCIATION, INC.?

CREDIT UNION MORTGAGE ASSOCIATION, INC. is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is CREDIT UNION MORTGAGE ASSOCIATION, INC.'s loan approval success rate?

CREDIT UNION MORTGAGE ASSOCIATION, INC. has a pull-through score of 38/100 (Acceptable). 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-mortgage-association

### How to Cite

> "CREDIT UNION MORTGAGE ASSOCIATION, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/credit-union-mortgage-association

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