# HEALTH ADVANTAGE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/health-advantage-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


HEALTH ADVANTAGE FEDERAL CREDIT UNION is a credit union, headquartered in SAGINAW, MI, with 51 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% 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):** 549300MBSNDZDNPHNF53
- **Headquarters:** SAGINAW, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

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

### Pricing Details
- **Average Rate Spread:** +0.098%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $652
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 51
- **Dollar Volume:** $10 million
- **Applications Received:** 61
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $196,373
- **Average Borrower Income:** $102,059
- **Average Property Value:** $254,412

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 48 | +0.098% | $652 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 43 loans, Score: 40/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 46 | $9M | +0.088% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 51 | 0.05% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Saginaw, MI | MI | 30 | 70/100 |

## Where This Lender Ranks

HEALTH ADVANTAGE FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Saginaw, MI Credit Unions
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/credit-unions)
- 🏆 **#9** in Saginaw, MI
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders)
- 🏆 **#18** in Saginaw, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does HEALTH ADVANTAGE FEDERAL CREDIT UNION offer?

HEALTH ADVANTAGE 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 HEALTH ADVANTAGE FEDERAL CREDIT UNION offer mortgages?

HEALTH ADVANTAGE FEDERAL CREDIT UNION offers mortgages in 1 states: MI.

### How competitive are HEALTH ADVANTAGE FEDERAL CREDIT UNION's mortgage rates?

HEALTH ADVANTAGE FEDERAL CREDIT UNION has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.098% above market average.

### What type of lender is HEALTH ADVANTAGE FEDERAL CREDIT UNION?

HEALTH ADVANTAGE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in SAGINAW, MI.

### What is HEALTH ADVANTAGE FEDERAL CREDIT UNION's loan approval success rate?

HEALTH ADVANTAGE FEDERAL CREDIT UNION 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/health-advantage-federal-credit-union

### How to Cite

> "HEALTH ADVANTAGE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/health-advantage-federal-credit-union

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