# Hanscom Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/hanscom-federal-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


Hanscom Federal Credit Union is a credit union, headquartered in Bedford, MA, serving borrowers across 19 states, with 94 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 77% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493003B2LEGQHDWRN55
- **Headquarters:** Bedford, MA
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** CA, CT, FL, GA, IA, IL, MA, MD, ME, MI, NC, NH, NJ, NV, OR, PA, RI, VA, VT
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.065%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $900
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 94
- **Dollar Volume:** $39 million
- **Applications Received:** 209
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $417,872
- **Average Borrower Income:** $220,553
- **Average Property Value:** $646,383

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 81 | -0.040% | $920 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 56 loans, Score: 26/100 (Acceptable)
- Refinance: 25 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 28/100 | 65 | $28M | -0.033% | Acceptable 🙂 |
| Refinance | 39/100 | 29 | $12M | -0.137% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 48 | 0.08% | 61/100 |
| NH | 11 | 0.07% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 24 | 57/100 |
| Boston, MA | MA | 12 | 48/100 |
| Non |  | 11 | 27/100 |

## Frequently Asked Questions

### What loan types does Hanscom Federal Credit Union offer?

Hanscom Federal 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 Hanscom Federal Credit Union offer mortgages?

Hanscom Federal Credit Union offers mortgages in 19 states: CA, CT, FL, GA, IA, IL, MA, MD, ME, MI, NC, NH, NJ, NV, OR, PA, RI, VA, VT.

### How competitive are Hanscom Federal Credit Union's mortgage rates?

Hanscom Federal Credit Union has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.065% below market average.

### What type of lender is Hanscom Federal Credit Union?

Hanscom Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Bedford, MA.

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

Hanscom Federal Credit Union has a pull-through score of 23/100 (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/hanscom-federal-credit-union

### How to Cite

> "Hanscom Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hanscom-federal-credit-union

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