# FAMILY SAVINGS CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/family-savings-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

FAMILY SAVINGS CREDIT UNION is a credit union, headquartered in Rainbow City, US, serving borrowers across 4 states, with 60 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300QWWDI5EBFCNL02
- **Headquarters:** Rainbow City, US
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, AR, FL, GA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.862%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $499
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 60
- **Dollar Volume:** $8 million
- **Applications Received:** 77
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $141,333
- **Average Borrower Income:** $96,983

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 60 | +0.862% | $499 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Refinance: 49 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 17/100 | 11 | $1M | +0.973% | Mediocre 😐 |
| Refinance | 58/100 | 49 | $7M | +0.842% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 32 | 0.02% | 57/100 |
| AL | 26 | 0.04% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 21 | 39/100 |
| Gadsden, AL | AL | 15 | 61/100 |
| Marietta, GA | GA | 15 | 54/100 |

## Frequently Asked Questions

### What loan types does FAMILY SAVINGS CREDIT UNION offer?

FAMILY SAVINGS 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 FAMILY SAVINGS CREDIT UNION offer mortgages?

FAMILY SAVINGS CREDIT UNION offers mortgages in 4 states: AL, AR, FL, GA.

### How competitive are FAMILY SAVINGS CREDIT UNION's mortgage rates?

FAMILY SAVINGS CREDIT UNION has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.862% above market average.

### What type of lender is FAMILY SAVINGS CREDIT UNION?

FAMILY SAVINGS CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Rainbow City, US.

### What is FAMILY SAVINGS CREDIT UNION's loan approval success rate?

FAMILY SAVINGS CREDIT UNION has a pull-through score of 48/100 (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/family-savings-credit-union

### How to Cite

> "FAMILY SAVINGS CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/family-savings-credit-union

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