# VIBE CREDIT UNION

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


VIBE CREDIT UNION is a credit union, headquartered in Novi, MI, serving borrowers across 5 states, with 172 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 10% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001XRDEGNB7US825
- **Headquarters:** Novi, MI
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, KY, MI, NC, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.071%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $715
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 172
- **Dollar Volume:** $24 million
- **Applications Received:** 235
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $138,430
- **Average Borrower Income:** $84,907
- **Average Property Value:** $254,884

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 172 | -0.071% | $715 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 59 loans, Score: 29/100 (Acceptable)
- Refinance: 113 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 59 | $13M | -0.060% | Acceptable 🙂 |
| Refinance | 60/100 | 113 | $10M | -0.090% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 168 | 0.15% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 98 | 72/100 |
| Detroit | MI | 54 | 67/100 |

## Where This Lender Ranks

VIBE CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Detroit Credit Unions
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Detroit for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Warren Credit Unions
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Warren for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Detroit
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does VIBE CREDIT UNION offer?

VIBE 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 VIBE CREDIT UNION offer mortgages?

VIBE CREDIT UNION offers mortgages in 5 states: AZ, KY, MI, NC, TN.

### How competitive are VIBE CREDIT UNION's mortgage rates?

VIBE CREDIT UNION has a pricing score of 90/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.071% below market average.

### What type of lender is VIBE CREDIT UNION?

VIBE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Novi, MI.

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

VIBE CREDIT UNION has a pull-through score of 59/100 (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/vibe-credit-union

### How to Cite

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

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