# COMMUNITY FINANCIAL CREDIT UNION

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

COMMUNITY FINANCIAL CREDIT UNION is a credit union, headquartered in PLYMOUTH, MI, with 231 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007XQ4LU452LQJ67
- **Headquarters:** PLYMOUTH, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.155%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,147
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 231
- **Dollar Volume:** $46 million
- **Applications Received:** 378
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $198,377
- **Average Borrower Income:** $105,619

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 231 | +0.155% | $1,147 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 183 loans, Score: 45/100 (Sound)
- Refinance: 48 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 183 | $38M | +0.189% | Sound ☺️ |
| Refinance | 46/100 | 48 | $8M | +0.035% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 231 | 0.20% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 101 | 58/100 |
| Detroit | MI | 63 | 68/100 |
| Warren | MI | 48 | 62/100 |

## Frequently Asked Questions

### What loan types does COMMUNITY FINANCIAL CREDIT UNION offer?

COMMUNITY FINANCIAL 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 COMMUNITY FINANCIAL CREDIT UNION offer mortgages?

COMMUNITY FINANCIAL CREDIT UNION offers mortgages in 1 states: MI.

### How competitive are COMMUNITY FINANCIAL CREDIT UNION's mortgage rates?

COMMUNITY FINANCIAL CREDIT UNION has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.155% above market average.

### What type of lender is COMMUNITY FINANCIAL CREDIT UNION?

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

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

COMMUNITY FINANCIAL CREDIT UNION has a pull-through score of 44/100 (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/community-financial-credit-union

### How to Cite

> "COMMUNITY FINANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-financial-credit-union

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