# PFCU

> **Canonical URL:** https://saferate.com/lenders/pfcu


> **📋 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


PFCU is a credit union, headquartered in Portland, MI, with 116 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549008NRAZRGNG0TT58
- **Headquarters:** Portland, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.065%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,122
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 116
- **Dollar Volume:** $22 million
- **Applications Received:** 143
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $190,086
- **Average Borrower Income:** $95,776
- **Average Property Value:** $274,310

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 111 | +0.063% | $1,132 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 73 loans, Score: 36/100 (Acceptable)
- Refinance: 38 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 77 | $16M | +0.084% | Acceptable 🙂 |
| Refinance | 44/100 | 39 | $6M | +0.026% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 114 | 0.10% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Grand Rapids | MI | 55 | 65/100 |
| Lansing | MI | 29 | 61/100 |
| Non |  | 18 | 33/100 |
| Flint, MI | MI | 10 | 47/100 |

## Where This Lender Ranks

PFCU appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Lansing Credit Unions
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Grand Rapids Credit Unions
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Grand Rapids for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Lansing for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Flint, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#18** in Grand Rapids
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders)
- 🏆 **#18** in Lansing
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does PFCU offer?

PFCU offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PFCU offer mortgages?

PFCU offers mortgages in 1 states: MI.

### How competitive are PFCU's mortgage rates?

PFCU has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.065% above market average.

### What type of lender is PFCU?

PFCU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Portland, MI.

### What is PFCU's loan approval success rate?

PFCU has a pull-through score of 58/100 (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/pfcu

### How to Cite

> "PFCU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pfcu

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