# SUN Federal Credit Union

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


SUN Federal Credit Union is a credit union, headquartered in Maumee, MN, serving borrowers across 12 states, with 109 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300VGZHXNY2T0G559
- **Headquarters:** Maumee, MN
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** CO, DE, IN, ME, MI, NC, NJ, OH, PA, TN, UT, VA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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


### Lending Volume
- **Total Loans:** 109
- **Dollar Volume:** $23 million
- **Applications Received:** 182
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $213,716
- **Average Borrower Income:** $130,514
- **Average Property Value:** $292,615

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 109 | +0.962% | $0 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 79 loans, Score: 41/100 (Sound)
- Refinance: 30 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 79 | $20M | +0.865% | Sound ☺️ |
| Refinance | 46/100 | 30 | $3M | +0.982% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 78 | 0.06% | 65/100 |
| PA | 14 | 0.01% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Toledo, OH | OH | 65 | 77/100 |
| Non |  | 15 | 31/100 |

## Where This Lender Ranks

SUN Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Toledo, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

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

SUN Federal 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 SUN Federal Credit Union offer mortgages?

SUN Federal Credit Union offers mortgages in 12 states: CO, DE, IN, ME, MI, NC, NJ, OH, PA, TN, UT, VA.

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

SUN Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Maumee, MN.

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

SUN Federal Credit Union 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/sun-federal-credit-union

### How to Cite

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

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