# Day Air Credit Union, Inc.

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

Day Air Credit Union, Inc. is a credit union, headquartered in Kettering, OH, serving borrowers across 3 states, with 190 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 50% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900JPFVLN18XNDG98
- **Headquarters:** Kettering, OH
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, IN, OH
- **Markets (MSAs):** 2
- **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: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.534%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $193
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 190
- **Dollar Volume:** $39 million
- **Applications Received:** 363
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $202,737
- **Average Borrower Income:** $134,779

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 185 | +0.530% | $178 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 158 loans, Score: 53/100 (Sound)
- Refinance: 27 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 162 | $34M | +0.519% | Sound ☺️ |
| Refinance | 45/100 | 28 | $4M | +0.670% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 187 | 0.14% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dayton | OH | 154 | 80/100 |
| Cincinnati, OH |  | 23 | 55/100 |

## Frequently Asked Questions

### What loan types does Day Air Credit Union, Inc. offer?

Day Air Credit Union, Inc. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Day Air Credit Union, Inc. offer mortgages?

Day Air Credit Union, Inc. offers mortgages in 3 states: FL, IN, OH.

### How competitive are Day Air Credit Union, Inc.'s mortgage rates?

Day Air Credit Union, Inc. 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 0.534% above market average.

### What type of lender is Day Air Credit Union, Inc.?

Day Air Credit Union, Inc. is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Kettering, OH.

### What is Day Air Credit Union, Inc.'s loan approval success rate?

Day Air Credit Union, Inc. 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/day-air-credit-union

### How to Cite

> "Day Air Credit Union, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/day-air-credit-union

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