# STANFORD Federal Credit Union

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


STANFORD Federal Credit Union is a credit union, headquartered in Palo Alto, CA, serving borrowers across 22 states, with 324 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 41% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493009Y8ROUG903AQ21
- **Headquarters:** Palo Alto, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 22
- **State List:** AR, AZ, CA, CO, CT, FL, GA, IL, MN, MO, MT, NC, NJ, NM, NV, NY, OH, OR, PA, TX, VA, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.339%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $661
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 324
- **Dollar Volume:** $275 million
- **Applications Received:** 404
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $848,426
- **Average Borrower Income:** $358,670
- **Average Property Value:** $1,561,759

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 240 | -0.335% | $800 | Sound ☺️ |
| Jumbo | 76/100 | 84 | -0.350% | $293 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 211 loans, Score: 50/100 (Sound)
- Refinance: 29 loans, Score: 40/100 (Acceptable)

**Jumbo:**
- Purchase: 74 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 285 | $241M | -0.330% | Sound ☺️ |
| Refinance | 45/100 | 39 | $34M | -0.406% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 253 | 0.09% | 71/100 |
| TX | 14 | 0.00% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Jose | CA | 94 | 75/100 |
| San Francisco | CA | 67 | 75/100 |
| Oakland | CA | 32 | 59/100 |

## Where This Lender Ranks

STANFORD Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in San Jose for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in San Francisco for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in San Jose Credit Unions
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in San Jose for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#7** in San Francisco Credit Unions
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in San Francisco for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#20** in San Jose for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does STANFORD Federal Credit Union offer?

STANFORD Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does STANFORD Federal Credit Union offer mortgages?

STANFORD Federal Credit Union offers mortgages in 22 states: AR, AZ, CA, CO, CT, FL, GA, IL, MN, MO, MT, NC, NJ, NM, NV, NY, OH, OR, PA, TX, VA, WA.

### How competitive are STANFORD Federal Credit Union's mortgage rates?

STANFORD Federal Credit Union has a pricing score of 59/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.339% below market average.

### What type of lender is STANFORD Federal Credit Union?

STANFORD Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Palo Alto, CA.

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

STANFORD Federal Credit Union has a pull-through score of 56/100 (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/stanford-federal-credit-union

### How to Cite

> "STANFORD Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stanford-federal-credit-union

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