# POINT BREEZE Credit Union

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


POINT BREEZE Credit Union is a credit union, headquartered in Hunt Valley, MD, serving borrowers across 3 states, with 80 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 1% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493000UZ37PYF2QMT96
- **Headquarters:** Hunt Valley, MD
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** DE, MD, PA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 99/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.538%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-187
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 80
- **Dollar Volume:** $30 million
- **Applications Received:** 88
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $372,750
- **Average Borrower Income:** $187,425
- **Average Property Value:** $540,000

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 76 | -0.526% | $-200 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 52 loans, Score: 28/100 (Acceptable)
- Refinance: 24 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 54 | $22M | -0.469% | Acceptable 🙂 |
| Refinance | 38/100 | 26 | $8M | -0.699% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 72 | 0.10% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Baltimore | MD | 62 | 69/100 |
| Non |  | 11 | 28/100 |

## Frequently Asked Questions

### What loan types does POINT BREEZE Credit Union offer?

POINT BREEZE 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 POINT BREEZE Credit Union offer mortgages?

POINT BREEZE Credit Union offers mortgages in 3 states: DE, MD, PA.

### How competitive are POINT BREEZE Credit Union's mortgage rates?

POINT BREEZE Credit Union has a pricing score of 99/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.538% below market average.

### What type of lender is POINT BREEZE Credit Union?

POINT BREEZE Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Hunt Valley, MD.

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

POINT BREEZE Credit Union has a pull-through score of 41/100 (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/point-breeze-credit-union

### How to Cite

> "POINT BREEZE Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/point-breeze-credit-union

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