# Leaders Credit Union

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


Leaders Credit Union is a credit union, headquartered in Jackson, TN, serving borrowers across 10 states, with 750 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 44% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900FJRICL380R4T46
- **Headquarters:** Jackson, TN
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AR, FL, GA, LA, MI, MO, MS, TN, TX, VA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.307%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,077
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 750
- **Dollar Volume:** $181 million
- **Applications Received:** 1,158
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $241,000
- **Average Borrower Income:** $111,331
- **Average Property Value:** $298,173

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 459 | +0.222% | $1,190 | Strong 😀 |
| FHA | 75/100 | 158 | +0.675% | $885 | Strong 😀 |
| VA | 70/100 | 45 | -0.417% | $933 | Strong 😀 |
| USDA | 86/100 | 83 | +0.467% | $682 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 348 loans, Score: 74/100 (Strong)
- Refinance: 111 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 143 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 41 loans, Score: 67/100 (Strong)

**USDA:**
- Purchase: 83 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 620 | $155M | +0.325% | Strong 😀 |
| Refinance | 73/100 | 130 | $25M | +0.229% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 727 | 0.80% | 88/100 |
| MS | 10 | 0.04% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Jackson, TN | TN | 349 | 100/100 |
| Non |  | 229 | 66/100 |
| Memphis, TN |  | 152 | 76/100 |

## Where This Lender Ranks

Leaders Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Jackson, TN
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders)
- 🥇 **#1** in Jackson, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Jackson, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Jackson, TN for USDA Loans
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Tennessee for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Memphis, TN for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Memphis, TN for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Tennessee for USDA Loans
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Jackson, TN for VA Loans
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Memphis, TN Credit Unions
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Memphis, TN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Tennessee Credit Unions
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Tennessee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Tennessee for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Jackson, TN for FHA Loans
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in Tennessee for Conventional Loans
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

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

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

### Where does Leaders Credit Union offer mortgages?

Leaders Credit Union offers mortgages in 10 states: AR, FL, GA, LA, MI, MO, MS, TN, TX, VA.

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

Leaders Credit Union has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.307% above market average.

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

Leaders Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Jackson, TN.

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

Leaders Credit Union has a pull-through score of 74/100 (Strong). 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/leaders-credit-union

### How to Cite

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

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