# Diamond Credit Union

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


> **📋 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


Diamond Credit Union is a credit union, headquartered in Pottstown, PA, with 95 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 25490053H6JWQDX4RM47
- **Headquarters:** Pottstown, PA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** PA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.256%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $920
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 95
- **Dollar Volume:** $14 million
- **Applications Received:** 144
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $144,263
- **Average Borrower Income:** $103,126
- **Average Property Value:** $327,842

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 95 | +0.256% | $920 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 35 loans, Score: 32/100 (Acceptable)
- Refinance: 60 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 35 | $8M | +0.195% | Acceptable 🙂 |
| Refinance | 63/100 | 60 | $6M | +0.357% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 95 | 0.08% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Reading, PA | PA | 72 | 80/100 |
| Montgomery County | PA | 18 | 55/100 |

## Where This Lender Ranks

Diamond Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Reading, PA Credit Unions
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Reading, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Diamond Credit Union offer?

Diamond Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Diamond Credit Union offer mortgages?

Diamond Credit Union offers mortgages in 1 states: PA.

### How competitive are Diamond Credit Union's mortgage rates?

Diamond Credit Union has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.256% above market average.

### What type of lender is Diamond Credit Union?

Diamond Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Pottstown, PA.

### What is Diamond Credit Union's loan approval success rate?

Diamond Credit Union has a pull-through score of 37/100 (Acceptable). 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/diamond-credit-union

### How to Cite

> "Diamond Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/diamond-credit-union

---

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