# HARVESTERS FEDERAL CREDIT UNION

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

HARVESTERS FEDERAL CREDIT UNION is a credit union, headquartered in Cantonment, FL, serving borrowers across 2 states, with 62 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% 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):** 549300GXXWNCQH5XX485
- **Headquarters:** Cantonment, FL
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AL, FL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.6%
- **Brokered/Wholesale:** 1.4%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

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

### Pricing Details
- **Average Rate Spread:** +0.491%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,509
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 62
- **Dollar Volume:** $23 million
- **Applications Received:** 74
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $371,935
- **Average Borrower Income:** $189,710

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 60 | +0.491% | $2,509 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 45 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 47 | $19M | +0.297% | Acceptable 🙂 |
| Refinance | 37/100 | 15 | $4M | +0.710% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 57 | 0.02% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Pensacola | FL | 56 | 76/100 |

## Frequently Asked Questions

### What loan types does HARVESTERS FEDERAL CREDIT UNION offer?

HARVESTERS 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 HARVESTERS FEDERAL CREDIT UNION offer mortgages?

HARVESTERS FEDERAL CREDIT UNION offers mortgages in 2 states: AL, FL.

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

HARVESTERS FEDERAL CREDIT UNION has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.491% above market average.

### What type of lender is HARVESTERS FEDERAL CREDIT UNION?

HARVESTERS FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Cantonment, FL.

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

HARVESTERS FEDERAL 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/harvesters-federal-credit-union

### How to Cite

> "HARVESTERS FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/harvesters-federal-credit-union

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