# Solarity Credit Union

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


Solarity Credit Union is a credit union, headquartered in Yakima, WA, serving borrowers across 4 states, with 47 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300GGB04TG4AH1377
- **Headquarters:** Yakima, WA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AZ, OH, OR, WA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.127%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,144
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 47
- **Dollar Volume:** $13 million
- **Applications Received:** 87
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $286,915
- **Average Borrower Income:** $116,681
- **Average Property Value:** $407,340

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 46 | +0.130% | $2,134 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 36 loans, Score: 40/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 37 | $11M | +0.075% | Acceptable 🙂 |
| Refinance | 20/100 | 10 | $2M | +0.315% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 44 | 0.05% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Yakima, WA | WA | 37 | 74/100 |

## Where This Lender Ranks

Solarity Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Yakima, WA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#19** in Yakima, WA
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders)
- 🏆 **#20** in Yakima, WA for Conventional Loans
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

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

Solarity 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 Solarity Credit Union offer mortgages?

Solarity Credit Union offers mortgages in 4 states: AZ, OH, OR, WA.

### How competitive are Solarity Credit Union's mortgage rates?

Solarity Credit Union has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.127% above market average.

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

Solarity Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Yakima, WA.

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

Solarity Credit Union has a pull-through score of 28/100 (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/solarity-credit-union

### How to Cite

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

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