# CU COMMUNITY, LLC

> **Canonical URL:** https://saferate.com/lenders/cu-community


> **📋 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


CU COMMUNITY, LLC is a independent mortgage company, headquartered in OAK RIDGE, TN, serving borrowers across 4 states, with 42 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 78% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300OIJ6O9DNP74L72
- **Headquarters:** OAK RIDGE, TN
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, GA, MS, TN
- **Markets (MSAs):** 1
- **Primary Channel:** mix
- **Direct Origination:** 29.6%
- **Brokered/Wholesale:** 70.4%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

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

### Pricing Details
- **Average Rate Spread:** +0.582%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,268
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 42
- **Dollar Volume:** $10 million
- **Applications Received:** 135
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $230,000
- **Average Borrower Income:** $107,548
- **Average Property Value:** $353,810

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 19/100 | 39 | +0.604% | $3,305 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 22 loans, Score: 18/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 19/100 | 24 | $7M | +0.445% | Mediocre 😐 |
| Refinance | 27/100 | 18 | $3M | +0.762% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 35 | 0.04% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 12 | 32/100 |

## Frequently Asked Questions

### What loan types does CU COMMUNITY, LLC offer?

CU COMMUNITY, LLC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CU COMMUNITY, LLC offer mortgages?

CU COMMUNITY, LLC offers mortgages in 4 states: AL, GA, MS, TN.

### How competitive are CU COMMUNITY, LLC's mortgage rates?

CU COMMUNITY, LLC has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.582% above market average.

### What type of lender is CU COMMUNITY, LLC?

CU COMMUNITY, LLC is a non-depository lender that specializes in mortgage origination, headquartered in OAK RIDGE, TN.

### What is CU COMMUNITY, LLC's loan approval success rate?

CU COMMUNITY, LLC 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.

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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/cu-community

### How to Cite

> "CU COMMUNITY, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cu-community

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