# UTILITIES EMPLOYEES CREDIT UNION

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


UTILITIES EMPLOYEES CREDIT UNION is a credit union, headquartered in Wyomissing, PA, serving borrowers across 15 states, with 69 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300AX5UMUZ61L1X54
- **Headquarters:** Wyomissing, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** CO, DE, FL, GA, IL, NC, NH, NJ, NY, OH, PA, SC, TN, VA, WI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.252%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $982
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 69
- **Dollar Volume:** $19 million
- **Applications Received:** 128
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $280,217
- **Average Borrower Income:** $137,667
- **Average Property Value:** $455,580

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 68 | -0.246% | $979 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 55 loans, Score: 25/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 56 | $17M | -0.281% | Acceptable 🙂 |
| Refinance | 22/100 | 13 | $3M | -0.103% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 28 | 0.02% | 55/100 |
| NJ | 12 | 0.01% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 19 | 37/100 |

## Frequently Asked Questions

### What loan types does UTILITIES EMPLOYEES CREDIT UNION offer?

UTILITIES EMPLOYEES 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 UTILITIES EMPLOYEES CREDIT UNION offer mortgages?

UTILITIES EMPLOYEES CREDIT UNION offers mortgages in 15 states: CO, DE, FL, GA, IL, NC, NH, NJ, NY, OH, PA, SC, TN, VA, WI.

### How competitive are UTILITIES EMPLOYEES CREDIT UNION's mortgage rates?

UTILITIES EMPLOYEES CREDIT UNION has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.252% below market average.

### What type of lender is UTILITIES EMPLOYEES CREDIT UNION?

UTILITIES EMPLOYEES CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Wyomissing, PA.

### What is UTILITIES EMPLOYEES CREDIT UNION's loan approval success rate?

UTILITIES EMPLOYEES CREDIT UNION has a pull-through score of 26/100 (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/utilities-employees-credit-union

### How to Cite

> "UTILITIES EMPLOYEES CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/utilities-employees-credit-union

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