# BAYER HERITAGE CREDIT UNION

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

BAYER HERITAGE CREDIT UNION is a credit union, headquartered in Proctor, WV, serving borrowers across 7 states, with 158 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300VIRTE6O2776X89
- **Headquarters:** Proctor, WV
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, NC, OH, PA, SC, TX, WV
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.422%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,468
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 158
- **Dollar Volume:** $24 million
- **Applications Received:** 230
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $150,316
- **Average Borrower Income:** $97,367

## Safe Rate Awards 🏆

- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 158 | -0.422% | $1,468 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 68 loans, Score: 50/100 (Sound)
- Refinance: 90 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 68 | $10M | -0.569% | Sound ☺️ |
| Refinance | 71/100 | 90 | $14M | -0.308% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WV | 101 | 0.65% | 79/100 |
| OH | 41 | 0.03% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wheeling, WV | WV-OH | 73 | 91/100 |
| Non |  | 61 | 52/100 |

## Frequently Asked Questions

### What loan types does BAYER HERITAGE CREDIT UNION offer?

BAYER HERITAGE 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 BAYER HERITAGE CREDIT UNION offer mortgages?

BAYER HERITAGE CREDIT UNION offers mortgages in 7 states: FL, NC, OH, PA, SC, TX, WV.

### How competitive are BAYER HERITAGE CREDIT UNION's mortgage rates?

BAYER HERITAGE CREDIT UNION has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.422% below market average.

### What type of lender is BAYER HERITAGE CREDIT UNION?

BAYER HERITAGE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Proctor, WV.

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

BAYER HERITAGE CREDIT UNION has a pull-through score of 60/100 (Strong). 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/bayer-heritage-credit-union

### How to Cite

> "BAYER HERITAGE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bayer-heritage-credit-union

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