# CREDIT UNION ONE

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


> **📋 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 ONE is a credit union, headquartered in Ferndale, MI, serving borrowers across 6 states, with 286 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493008NQVB5ZOWYNU83
- **Headquarters:** Ferndale, MI
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AZ, MI, MS, OK, TX, VT
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.6%
- **Brokered/Wholesale:** 0.4%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.350%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $414
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 286
- **Dollar Volume:** $60 million
- **Applications Received:** 482
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $210,909
- **Average Borrower Income:** $111,007
- **Average Property Value:** $317,762

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 284 | +0.353% | $405 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 146 loans, Score: 51/100 (Sound)
- Refinance: 138 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 148 | $37M | +0.262% | Sound ☺️ |
| Refinance | 70/100 | 138 | $23M | +0.446% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 281 | 0.25% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 105 | 71/100 |
| Detroit | MI | 60 | 67/100 |
| Traverse City, MI | MI | 45 | 77/100 |
| Grand Rapids | MI | 25 | 53/100 |
| Non |  | 21 | 32/100 |
| Flint, MI | MI | 10 | 44/100 |

## Where This Lender Ranks

CREDIT UNION ONE appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Traverse City, MI Credit Unions
  - [View Full Rankings](https://saferate.com/traverse-city-mi/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Traverse City, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/traverse-city-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Detroit for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Warren for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Detroit Credit Unions
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Warren Credit Unions
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Traverse City, MI
  - [View Full Rankings](https://saferate.com/traverse-city-mi/best-mortgage-lenders)
- 🏆 **#11** in Flint, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Traverse City, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/traverse-city-mi/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Michigan Credit Unions
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions)
- 🏆 **#13** in Michigan for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

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

CREDIT UNION ONE 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 ONE offer mortgages?

CREDIT UNION ONE offers mortgages in 6 states: AZ, MI, MS, OK, TX, VT.

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

CREDIT UNION ONE has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.350% above market average.

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

CREDIT UNION ONE is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Ferndale, MI.

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

CREDIT UNION ONE has a pull-through score of 48/100 (Sound). 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-one

### How to Cite

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

---

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