# POWER FINANCIAL

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


> **📋 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


POWER FINANCIAL is a credit union, headquartered in Pembroke Pines, FL, with 50 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 47% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BAZS5RZ8O98A51
- **Headquarters:** Pembroke Pines, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.122%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,516
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 50
- **Dollar Volume:** $23 million
- **Applications Received:** 95
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $466,200
- **Average Borrower Income:** $207,420
- **Average Property Value:** $761,400

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 42 | +0.104% | $1,813 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 26 loans, Score: 20/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 33 | $17M | +0.152% | Acceptable 🙂 |
| Refinance | 32/100 | 17 | $6M | +0.051% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 50 | 0.02% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Miami | FL | 24 | 59/100 |
| West Palm Beach | FL | 16 | 58/100 |
| Fort Lauderdale | FL | 10 | 49/100 |

## Frequently Asked Questions

### What loan types does POWER FINANCIAL offer?

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

### Where does POWER FINANCIAL offer mortgages?

POWER FINANCIAL offers mortgages in 1 states: FL.

### How competitive are POWER FINANCIAL's mortgage rates?

POWER FINANCIAL has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.122% above market average.

### What type of lender is POWER FINANCIAL?

POWER FINANCIAL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Pembroke Pines, FL.

### What is POWER FINANCIAL's loan approval success rate?

POWER FINANCIAL has a pull-through score of 29/100 (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/power-financial

### How to Cite

> "POWER FINANCIAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/power-financial

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