# SUPERIOR CREDIT UNION, INC.

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


SUPERIOR CREDIT UNION, INC. is a credit union, headquartered in LIMA, OH, serving borrowers across 14 states, with 644 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900ARL5FDX2OOH702
- **Headquarters:** LIMA, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AZ, FL, GA, IN, KY, MI, MO, NC, OH, OR, SC, TN, TX, VA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.262%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,202
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 644
- **Dollar Volume:** $133 million
- **Applications Received:** 1,647
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $206,506
- **Average Borrower Income:** $109,894
- **Average Property Value:** $273,773

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 636 | +0.269% | $1,198 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 533 loans, Score: 77/100 (Strong)
- Refinance: 103 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 541 | $119M | +0.232% | Strong 😀 |
| Refinance | 72/100 | 103 | $14M | +0.455% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 613 | 0.46% | 83/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 312 | 70/100 |
| Lima, OH | OH | 189 | 100/100 |
| Cincinnati, OH |  | 85 | 69/100 |
| Toledo, OH | OH | 18 | 51/100 |

## Where This Lender Ranks

SUPERIOR CREDIT UNION, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

### What loan types does SUPERIOR CREDIT UNION, INC. offer?

SUPERIOR CREDIT UNION, INC. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SUPERIOR CREDIT UNION, INC. offer mortgages?

SUPERIOR CREDIT UNION, INC. offers mortgages in 14 states: AZ, FL, GA, IN, KY, MI, MO, NC, OH, OR, SC, TN, TX, VA.

### How competitive are SUPERIOR CREDIT UNION, INC.'s mortgage rates?

SUPERIOR CREDIT UNION, INC. has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.262% above market average.

### What type of lender is SUPERIOR CREDIT UNION, INC.?

SUPERIOR CREDIT UNION, INC. is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in LIMA, OH.

### What is SUPERIOR CREDIT UNION, INC.'s loan approval success rate?

SUPERIOR CREDIT UNION, INC. has a pull-through score of 48/100 (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/superior-credit-union

### How to Cite

> "SUPERIOR CREDIT UNION, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/superior-credit-union

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