# United Nations Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/united-nations-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 Nations Federal Credit Union is a credit union, headquartered in New York, NY, serving borrowers across 31 states, with 933 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 20% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300HCNXMTNGIMAR91
- **Headquarters:** New York, NY
- **Geographic Reach:** Near-National
- **States Served:** 31
- **State List:** AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KS, KY, MA, MD, MI, MN, NC, NH, NJ, NV, NY, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 95.2%
- **Brokered/Wholesale:** 4.8%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 80/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.484%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $76
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 933
- **Dollar Volume:** $613 million
- **Applications Received:** 1,476
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $657,272
- **Average Borrower Income:** $274,625
- **Average Property Value:** $937,176

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 791 | -0.477% | $108 | Sound ☺️ |
| Jumbo | 81/100 | 142 | -0.523% | $-122 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 685 loans, Score: 59/100 (Sound)
- Refinance: 106 loans, Score: 60/100 (Sound)

**Jumbo:**
- Purchase: 109 loans, Score: 80/100 (Strong)
- Refinance: 33 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 794 | $503M | -0.474% | Sound ☺️ |
| Refinance | 60/100 | 139 | $110M | -0.537% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 253 | 0.22% | 73/100 |
| VA | 164 | 0.15% | 70/100 |
| NJ | 154 | 0.18% | 70/100 |
| MD | 85 | 0.12% | 62/100 |
| MA | 50 | 0.08% | 56/100 |
| DC | 40 | 0.70% | 63/100 |
| FL | 35 | 0.01% | 45/100 |
| NC | 35 | 0.02% | 48/100 |
| CT | 20 | 0.06% | 46/100 |
| CA | 11 | 0.00% | 36/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 272 | 79/100 |
| Arlington | VA-WV | 149 | 73/100 |
| Frederick | MD | 55 | 67/100 |
| Washington, DC | DC-MD | 54 | 65/100 |
| Lakewood | NJ | 41 | 58/100 |
| Newark, NJ | NJ | 39 | 59/100 |
| Cambridge | MA | 26 | 51/100 |
| Nassau County | NY | 22 | 50/100 |
| Non |  | 22 | 28/100 |
| Boston, MA | MA | 19 | 48/100 |
| Bridgeport | CT | 13 | 45/100 |
| Raleigh | NC | 13 | 43/100 |
| Trenton | NJ | 12 | 46/100 |
| Baltimore | MD | 11 | 40/100 |
| Charlotte | NC-SC | 11 | 40/100 |

## Where This Lender Ranks

United Nations Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New York for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in New York for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Arlington for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Trenton for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Frederick for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Newark, NJ for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in New York Credit Unions
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in New York for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Washington DC Credit Unions
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Trenton for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Arlington Credit Unions
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Arlington for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Frederick Credit Unions
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Frederick for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Washington, DC Credit Unions
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Washington, DC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Washington DC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Arlington for Jumbo Loans
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in New York for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in New York for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does United Nations Federal Credit Union offer?

United Nations 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 United Nations Federal Credit Union offer mortgages?

United Nations Federal Credit Union offers mortgages in 31 states: AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KS, KY, MA, MD, MI, MN, NC, NH, NJ, NV, NY, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV.

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

United Nations Federal Credit Union has a pricing score of 80/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.484% below market average.

### What type of lender is United Nations Federal Credit Union?

United Nations Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in New York, NY.

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

United Nations Federal Credit Union has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-nations-federal-credit-union

### How to Cite

> "United Nations Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-nations-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/united-nations-federal-credit-union)**