# APCO EMPLOYEES

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

> **📋 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

APCO EMPLOYEES is a credit union, headquartered in Birmingham, AL, serving borrowers across 3 states, with 75 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300WC15MLNUIZYR16
- **Headquarters:** Birmingham, AL
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AL, FL, GA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.193%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $740
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 75
- **Dollar Volume:** $22 million
- **Applications Received:** 92
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $287,133
- **Average Borrower Income:** $354,840

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 75 | +0.193% | $740 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 47 loans, Score: 29/100 (Acceptable)
- Refinance: 28 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 47 | $14M | +0.300% | Acceptable 🙂 |
| Refinance | 41/100 | 28 | $8M | +0.011% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 63 | 0.11% | 69/100 |
| GA | 10 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Birmingham, AL | AL | 43 | 70/100 |

## Frequently Asked Questions

### What loan types does APCO EMPLOYEES offer?

APCO EMPLOYEES offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does APCO EMPLOYEES offer mortgages?

APCO EMPLOYEES offers mortgages in 3 states: AL, FL, GA.

### How competitive are APCO EMPLOYEES's mortgage rates?

APCO EMPLOYEES has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.193% above market average.

### What type of lender is APCO EMPLOYEES?

APCO EMPLOYEES is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Birmingham, AL.

### What is APCO EMPLOYEES's loan approval success rate?

APCO EMPLOYEES has a pull-through score of 46/100 (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/apco-employees

### How to Cite

> "APCO EMPLOYEES Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/apco-employees

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