# SECURITY CREDIT UNION

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

SECURITY CREDIT UNION is a credit union, headquartered in Holly, MI, with 35 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 10% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493005RSCVBUTB80M24
- **Headquarters:** Holly, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.156%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $215
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 35
- **Dollar Volume:** $5 million
- **Applications Received:** 55
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $146,714
- **Average Borrower Income:** $68,086

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 18/100 | 33 | +0.127% | $218 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 24 loans, Score: 19/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 21/100 | 26 | $4M | +0.113% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 35 | 0.03% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 19 | 57/100 |

## Frequently Asked Questions

### What loan types does SECURITY CREDIT UNION offer?

SECURITY 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 SECURITY CREDIT UNION offer mortgages?

SECURITY CREDIT UNION offers mortgages in 1 states: MI.

### How competitive are SECURITY CREDIT UNION's mortgage rates?

SECURITY CREDIT UNION has a pricing score of 90/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.156% above market average.

### What type of lender is SECURITY CREDIT UNION?

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

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

SECURITY CREDIT UNION has a pull-through score of 33/100 (Acceptable). 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/security-credit-union

### How to Cite

> "SECURITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/security-credit-union

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