# Spire Credit Union

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


Spire Credit Union is a credit union, headquartered in Falcon Heights, MN, serving borrowers across 14 states, with 570 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% 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):** 549300QDGMFASKEN7Z77
- **Headquarters:** Falcon Heights, MN
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AL, AR, AZ, CO, FL, IA, IL, MN, ND, NE, NV, SC, VT, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

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

### Pricing Details
- **Average Rate Spread:** +0.041%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,074
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 570
- **Dollar Volume:** $145 million
- **Applications Received:** 882
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $254,053
- **Average Borrower Income:** $122,177
- **Average Property Value:** $382,684

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 567 | +0.043% | $1,060 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 374 loans, Score: 55/100 (Sound)
- Refinance: 193 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 377 | $110M | -0.004% | Sound ☺️ |
| Refinance | 69/100 | 193 | $34M | +0.134% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 527 | 0.82% | 84/100 |
| WI | 15 | 0.02% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Minneapolis | MN-WI | 424 | 83/100 |
| Non |  | 91 | 52/100 |
| St. Cloud, MN | MN | 12 | 45/100 |

## Where This Lender Ranks

Spire Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Minneapolis Credit Unions
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Minnesota Credit Unions
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Minneapolis for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in St. Cloud, MN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Minnesota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in Minneapolis
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders)

## Frequently Asked Questions

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

Spire 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 Spire Credit Union offer mortgages?

Spire Credit Union offers mortgages in 14 states: AL, AR, AZ, CO, FL, IA, IL, MN, ND, NE, NV, SC, VT, WI.

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

Spire Credit Union has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.041% above market average.

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

Spire Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Falcon Heights, MN.

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

Spire Credit Union 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/spire-credit-union

### How to Cite

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

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