# MAX Credit Union

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


MAX Credit Union is a credit union, headquartered in Montgomery, AL, serving borrowers across 4 states, with 122 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300B8JSCK4ZNVX087
- **Headquarters:** Montgomery, AL
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, FL, GA, MO
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

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

### Pricing Details
- **Average Rate Spread:** +0.040%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,354
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 122
- **Dollar Volume:** $28 million
- **Applications Received:** 133
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $227,295
- **Average Borrower Income:** $144,295
- **Average Property Value:** $330,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 121 | +0.054% | $2,293 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 91 loans, Score: 51/100 (Sound)
- Refinance: 30 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 92 | $23M | -0.043% | Sound ☺️ |
| Refinance | 50/100 | 30 | $4M | +0.323% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 119 | 0.20% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery, AL | AL | 81 | 85/100 |
| Auburn | AL | 16 | 55/100 |
| Non |  | 12 | 27/100 |

## Where This Lender Ranks

MAX Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Montgomery, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Auburn for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

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

MAX 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 MAX Credit Union offer mortgages?

MAX Credit Union offers mortgages in 4 states: AL, FL, GA, MO.

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

MAX Credit Union has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.040% above market average.

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

MAX Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Montgomery, AL.

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

MAX Credit Union has a pull-through score of 55/100 (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/max-credit-union

### How to Cite

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

---

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