# DFCU FINANCIAL

> **Canonical URL:** https://saferate.com/lenders/dfcu-financial


> **📋 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


DFCU FINANCIAL is a credit union, headquartered in Dearborn, MI, serving borrowers across 2 states, with 692 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300W6K140RN8NQB93
- **Headquarters:** Dearborn, MI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, MI
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.260%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,106
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 692
- **Dollar Volume:** $209 million
- **Applications Received:** 1,342
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $302,688
- **Average Borrower Income:** $152,715
- **Average Property Value:** $403,555

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 666 | +0.261% | $2,058 | Strong 😀 |
| Jumbo | 69/100 | 26 | +0.239% | $3,493 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 552 loans, Score: 69/100 (Strong)
- Refinance: 114 loans, Score: 64/100 (Strong)

**Jumbo:**
- Purchase: 26 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 578 | $190M | +0.253% | Strong 😀 |
| Refinance | 62/100 | 114 | $20M | +0.292% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 623 | 0.55% | 83/100 |
| FL | 69 | 0.02% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Detroit | MI | 295 | 86/100 |
| Warren | MI | 167 | 74/100 |
| Monroe, MI | MI | 42 | 72/100 |
| Ann Arbor, MI | MI | 38 | 69/100 |
| Non |  | 38 | 37/100 |
| Tampa, FL | FL | 28 | 52/100 |
| Grand Rapids | MI | 15 | 45/100 |
| St. Petersburg | FL | 14 | 46/100 |

## Where This Lender Ranks

DFCU FINANCIAL appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Ann Arbor, MI Credit Unions
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Monroe, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Detroit for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Ann Arbor, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Detroit Credit Unions
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions)
- 🏆 **#10** in Warren Credit Unions
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions)
- 🏆 **#10** in Warren for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in Michigan for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#16** in Michigan Credit Unions
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions)
- 🏆 **#17** in Monroe, MI
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does DFCU FINANCIAL offer?

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

### Where does DFCU FINANCIAL offer mortgages?

DFCU FINANCIAL offers mortgages in 2 states: FL, MI.

### How competitive are DFCU FINANCIAL's mortgage rates?

DFCU FINANCIAL has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.260% above market average.

### What type of lender is DFCU FINANCIAL?

DFCU FINANCIAL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Dearborn, MI.

### What is DFCU FINANCIAL's loan approval success rate?

DFCU FINANCIAL has a pull-through score of 43/100 (Sound). 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/dfcu-financial

### How to Cite

> "DFCU FINANCIAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/dfcu-financial

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