# Mountain Credit Union

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


Mountain Credit Union is a credit union, headquartered in Waynesville, NC, with 22 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300DN6A0I2MKQYG08
- **Headquarters:** Waynesville, NC
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NC
- **Markets (MSAs):** 1
- **Primary Channel:** mix
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 22
- **Dollar Volume:** $5 million
- **Applications Received:** 27
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $237,727
- **Average Borrower Income:** $96,773
- **Average Property Value:** $420,909

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 13/100 | 22 | - | - | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 14/100 | 14 | $4M | - | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 22 | 0.01% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 13 | 37/100 |

## Frequently Asked Questions

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

Mountain 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 Mountain Credit Union offer mortgages?

Mountain Credit Union offers mortgages in 1 states: NC.

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

Mountain Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Waynesville, NC.

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

Mountain Credit Union has a pull-through score of 45/100 (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/mountain-credit-union

### How to Cite

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

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