# SACRAMENTO Credit Union

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

SACRAMENTO Credit Union is a credit union, headquartered in Sacramento, CA, with 59 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 36% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Z66NI4HM439O26
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.069%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,051
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 59
- **Dollar Volume:** $30 million
- **Applications Received:** 81
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $500,763
- **Average Borrower Income:** $208,831

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 27/100 | 57 | +0.076% | $1,053 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 44 loans, Score: 27/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 28/100 | 46 | $25M | +0.037% | Acceptable 🙂 |
| Refinance | 27/100 | 13 | $5M | +0.179% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 59 | 0.02% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Sacramento | CA | 46 | 67/100 |

## Frequently Asked Questions

### What loan types does SACRAMENTO Credit Union offer?

SACRAMENTO 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 SACRAMENTO Credit Union offer mortgages?

SACRAMENTO Credit Union offers mortgages in 1 states: CA.

### How competitive are SACRAMENTO Credit Union's mortgage rates?

SACRAMENTO Credit Union has a pricing score of 64/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.069% above market average.

### What type of lender is SACRAMENTO Credit Union?

SACRAMENTO Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Sacramento, CA.

### What is SACRAMENTO Credit Union's loan approval success rate?

SACRAMENTO Credit Union has a pull-through score of 40/100 (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/sacramento-credit-union

### How to Cite

> "SACRAMENTO Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sacramento-credit-union

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