# Kirtland Federal Credit Union

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


Kirtland Federal Credit Union is a credit union, headquartered in Albuquerque, NM, with 116 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549008NZFLT1BQ8EN23
- **Headquarters:** Albuquerque, NM
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NM
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.244%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,484
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 116
- **Dollar Volume:** $36 million
- **Applications Received:** 276
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $308,103
- **Average Borrower Income:** $147,578
- **Average Property Value:** $429,310

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 101 | -0.219% | $3,205 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 58 loans, Score: 36/100 (Acceptable)
- Refinance: 43 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 69 | $23M | -0.318% | Acceptable 🙂 |
| Refinance | 55/100 | 47 | $13M | -0.139% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NM | 116 | 0.57% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Albuquerque, NM | NM | 109 | 79/100 |

## Where This Lender Ranks

Kirtland Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Albuquerque, NM for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in New Mexico for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in New Mexico for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Albuquerque, NM for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Albuquerque, NM Credit Unions
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Albuquerque, NM for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Albuquerque, NM for Jumbo Loans
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in New Mexico Credit Unions
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in New Mexico for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in New Mexico for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

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

Kirtland 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 Kirtland Federal Credit Union offer mortgages?

Kirtland Federal Credit Union offers mortgages in 1 states: NM.

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

Kirtland Federal Credit Union has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.244% below market average.

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

Kirtland Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Albuquerque, NM.

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

Kirtland Federal Credit Union has a pull-through score of 49/100 (Sound). 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/kirtland-federal-credit-union

### How to Cite

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

---

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