# TRANSCEND Federal Credit Union

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


TRANSCEND Federal Credit Union is a credit union, headquartered in Louisville, KY, serving borrowers across 2 states, with 48 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300OCBGBM6IS0J130
- **Headquarters:** Louisville, KY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IN, KY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.339%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $228
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 48
- **Dollar Volume:** $14 million
- **Applications Received:** 60
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $285,000
- **Average Borrower Income:** $190,021
- **Average Property Value:** $431,875

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 48 | -0.339% | $228 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 28 loans, Score: 24/100 (Acceptable)
- Refinance: 20 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 28 | $8M | -0.280% | Acceptable 🙂 |
| Refinance | 37/100 | 20 | $5M | -0.420% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 46 | 0.10% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Louisville/Jefferson County, KY | KY-IN | 47 | 70/100 |

## Where This Lender Ranks

TRANSCEND Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Louisville/Jefferson County, KY Credit Unions
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Louisville/Jefferson County, KY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

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

TRANSCEND 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 TRANSCEND Federal Credit Union offer mortgages?

TRANSCEND Federal Credit Union offers mortgages in 2 states: IN, KY.

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

TRANSCEND Federal Credit Union has a pricing score of 93/100 (Exceptional), 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 TRANSCEND Federal Credit Union?

TRANSCEND Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Louisville, KY.

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

TRANSCEND Federal Credit Union has a pull-through score of 46/100 (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/transcend-federal-credit-union

### How to Cite

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

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