# ACHIEVA CREDIT UNION

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

ACHIEVA CREDIT UNION is a credit union, headquartered in Dunedin, FL, serving borrowers across 4 states, with 167 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300GFM3T3SN2KS138
- **Headquarters:** Dunedin, FL
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, GA, NC, TN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.015%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,307
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 167
- **Dollar Volume:** $54 million
- **Applications Received:** 229
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $326,198
- **Average Borrower Income:** $156,168

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 151 | +0.014% | $1,262 | Sound ☺️ |
| Jumbo | 58/100 | 10 | -0.254% | $1,217 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 108 loans, Score: 38/100 (Acceptable)
- Refinance: 43 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 124 | $44M | +0.016% | Acceptable 🙂 |
| Refinance | 50/100 | 43 | $11M | +0.012% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 161 | 0.06% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Petersburg | FL | 51 | 71/100 |
| North Port | FL | 38 | 65/100 |
| Tampa, FL | FL | 31 | 58/100 |
| Punta Gorda, FL | FL | 16 | 60/100 |

## Frequently Asked Questions

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

ACHIEVA 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 ACHIEVA CREDIT UNION offer mortgages?

ACHIEVA CREDIT UNION offers mortgages in 4 states: FL, GA, NC, TN.

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

ACHIEVA CREDIT UNION has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.015% above market average.

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

ACHIEVA CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Dunedin, FL.

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

ACHIEVA CREDIT UNION has a pull-through score of 50/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/achieva-credit-union

### How to Cite

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

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