# UNITED FEDERAL CREDIT UNION

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


UNITED FEDERAL CREDIT UNION is a credit union, headquartered in Saint Joseph, MI, serving borrowers across 27 states, with 1,044 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300PKEQ3Q9S0IXW76
- **Headquarters:** Saint Joseph, MI
- **Geographic Reach:** Near-National
- **States Served:** 27
- **State List:** AR, CA, FL, GA, ID, IL, IN, MA, MD, MI, MN, MO, MT, NC, NJ, NV, OH, OK, PA, RI, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.127%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,540
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,044
- **Dollar Volume:** $331 million
- **Applications Received:** 1,464
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $317,452
- **Average Borrower Income:** $141,284
- **Average Property Value:** $426,724

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 932 | +0.097% | $1,502 | Strong 😀 |
| FHA | 67/100 | 63 | +0.487% | $1,800 | Strong 😀 |
| Jumbo | 74/100 | 38 | +0.275% | $2,177 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 768 loans, Score: 79/100 (Strong)
- Refinance: 164 loans, Score: 75/100 (Strong)

**FHA:**
- Purchase: 55 loans, Score: 67/100 (Strong)

**Jumbo:**
- Purchase: 36 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 870 | $286M | +0.163% | Strong 😀 |
| Refinance | 74/100 | 174 | $46M | -0.053% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 401 | 0.35% | 77/100 |
| NC | 166 | 0.11% | 65/100 |
| NV | 122 | 0.30% | 71/100 |
| AR | 115 | 0.36% | 67/100 |
| IN | 88 | 0.10% | 60/100 |
| OH | 63 | 0.05% | 55/100 |
| PA | 18 | 0.01% | 42/100 |
| SC | 15 | 0.02% | 41/100 |
| OK | 12 | 0.03% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Niles, MI | MI | 238 | 100/100 |
| Non |  | 169 | 59/100 |
| Asheville, NC | NC | 125 | 88/100 |
| Reno, NV | NV | 91 | 77/100 |
| South Bend | IN-MI | 86 | 75/100 |
| Grand Rapids | MI | 74 | 63/100 |
| Fayetteville | AR | 62 | 64/100 |
| Fort Smith, AR | AR-OK | 51 | 65/100 |
| Elkhart | IN | 12 | 44/100 |

## Where This Lender Ranks

UNITED FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Niles, MI for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/niles-mi/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Asheville, NC for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Arkansas Credit Unions
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Reno, NV for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/reno-nv/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Reno, NV for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/reno-nv/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Fort Smith, AR for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Niles, MI
  - [View Full Rankings](https://saferate.com/niles-mi/best-mortgage-lenders)
- 🥈 **#2** in Niles, MI Credit Unions
  - [View Full Rankings](https://saferate.com/niles-mi/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Niles, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/niles-mi/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Niles, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/niles-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Asheville, NC Credit Unions
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Asheville, NC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Nevada Credit Unions
  - [View Full Rankings](https://saferate.com/nevada/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Nevada for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/nevada/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Nevada for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/nevada/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Nevada for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/nevada/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Arkansas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Reno, NV for Conventional Loans
  - [View Full Rankings](https://saferate.com/reno-nv/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Fayetteville for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Fort Smith, AR
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does UNITED FEDERAL CREDIT UNION offer?

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

### Where does UNITED FEDERAL CREDIT UNION offer mortgages?

UNITED FEDERAL CREDIT UNION offers mortgages in 27 states: AR, CA, FL, GA, ID, IL, IN, MA, MD, MI, MN, MO, MT, NC, NJ, NV, OH, OK, PA, RI, SC, TN, TX, VA, WA, WI, WV.

### How competitive are UNITED FEDERAL CREDIT UNION's mortgage rates?

UNITED FEDERAL CREDIT UNION has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.127% above market average.

### What type of lender is UNITED FEDERAL CREDIT UNION?

UNITED FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Saint Joseph, MI.

### What is UNITED FEDERAL CREDIT UNION's loan approval success rate?

UNITED FEDERAL CREDIT UNION has a pull-through score of 74/100 (Strong). 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/united-federal-credit-union

### How to Cite

> "UNITED FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-federal-credit-union

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