# CENTRAL ONE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/central-one-federal-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

CENTRAL ONE FEDERAL CREDIT UNION is a credit union, headquartered in Shrewsbury, MA, serving borrowers across 7 states, with 94 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 70% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300MUTFJQGRZJH019
- **Headquarters:** Shrewsbury, MA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** CT, FL, MA, ME, NH, RI, SC
- **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: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.611%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $819
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 94
- **Dollar Volume:** $35 million
- **Applications Received:** 150
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $374,574
- **Average Borrower Income:** $186,766

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 90 | -0.603% | $848 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 69 loans, Score: 36/100 (Acceptable)
- Refinance: 21 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 73 | $30M | -0.592% | Acceptable 🙂 |
| Refinance | 40/100 | 21 | $6M | -0.675% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 78 | 0.13% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Worcester, MA | MA | 56 | 77/100 |

## Frequently Asked Questions

### What loan types does CENTRAL ONE FEDERAL CREDIT UNION offer?

CENTRAL ONE FEDERAL 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 CENTRAL ONE FEDERAL CREDIT UNION offer mortgages?

CENTRAL ONE FEDERAL CREDIT UNION offers mortgages in 7 states: CT, FL, MA, ME, NH, RI, SC.

### How competitive are CENTRAL ONE FEDERAL CREDIT UNION's mortgage rates?

CENTRAL ONE FEDERAL 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 0.611% below market average.

### What type of lender is CENTRAL ONE FEDERAL CREDIT UNION?

CENTRAL ONE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Shrewsbury, MA.

### What is CENTRAL ONE FEDERAL CREDIT UNION's loan approval success rate?

CENTRAL ONE FEDERAL CREDIT UNION has a pull-through score of 30/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/central-one-federal-credit-union

### How to Cite

> "CENTRAL ONE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/central-one-federal-credit-union

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