# Sharefax Credit Union

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

Sharefax Credit Union is a credit union, headquartered in Cincinnati, OH, serving borrowers across 4 states, with 39 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FB7LY738B0AS28
- **Headquarters:** Cincinnati, OH
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, KY, OH, TN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 39
- **Dollar Volume:** $10 million
- **Applications Received:** 58
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $249,615
- **Average Borrower Income:** $127,590

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 22/100 | 39 | -0.094% | $336 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 21 loans, Score: 19/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 20/100 | 21 | $5M | -0.145% | Acceptable 🙂 |
| Refinance | 31/100 | 18 | $4M | -0.042% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 35 | 0.03% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 35 | 65/100 |

## Frequently Asked Questions

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

Sharefax 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 Sharefax Credit Union offer mortgages?

Sharefax Credit Union offers mortgages in 4 states: FL, KY, OH, TN.

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

Sharefax Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Cincinnati, OH.

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

Sharefax Credit Union has a pull-through score of 36/100 (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/sharefax-credit-union

### How to Cite

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

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