# MONROE COMMUNITY CREDIT UNION

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


MONROE COMMUNITY CREDIT UNION is a credit union, headquartered in Monroe, MI, with 24 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300UNNQFHOGHIFO55
- **Headquarters:** Monroe, 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: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.189%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-367
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 24
- **Dollar Volume:** $4 million
- **Applications Received:** 37
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $156,667
- **Average Borrower Income:** $88,750
- **Average Property Value:** $242,500

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 24 | +0.189% | $-367 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 16 | $3M | +0.123% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 24 | 0.02% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Monroe, MI | MI | 22 | 69/100 |

## Where This Lender Ranks

MONROE COMMUNITY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Monroe, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#13** in Monroe, MI
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does MONROE COMMUNITY CREDIT UNION offer?

MONROE COMMUNITY 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 MONROE COMMUNITY CREDIT UNION offer mortgages?

MONROE COMMUNITY CREDIT UNION offers mortgages in 1 states: MI.

### How competitive are MONROE COMMUNITY CREDIT UNION's mortgage rates?

MONROE COMMUNITY CREDIT UNION has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.189% above market average.

### What type of lender is MONROE COMMUNITY CREDIT UNION?

MONROE COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Monroe, MI.

### What is MONROE COMMUNITY CREDIT UNION's loan approval success rate?

MONROE COMMUNITY CREDIT UNION has a pull-through score of 33/100 (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/monroe-community-credit-union

### How to Cite

> "MONROE COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/monroe-community-credit-union

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