# Signal Financial Federal Credit Union

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

Signal Financial Federal Credit Union is a credit union, headquartered in Kensington, MD, serving borrowers across 8 states, with 36 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 41% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ZM3AIJAKZITQ95
- **Headquarters:** Kensington, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** DC, DE, FL, MA, MD, MI, SC, VA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.082%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,589
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 36
- **Dollar Volume:** $11 million
- **Applications Received:** 46
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $301,667
- **Average Borrower Income:** $144,833

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 22/100 | 35 | -0.092% | $1,570 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 32 loans, Score: 24/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 26/100 | 33 | $10M | -0.080% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 24 | 0.03% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Frederick | MD | 21 | 62/100 |

## Frequently Asked Questions

### What loan types does Signal Financial Federal Credit Union offer?

Signal Financial 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 Signal Financial Federal Credit Union offer mortgages?

Signal Financial Federal Credit Union offers mortgages in 8 states: DC, DE, FL, MA, MD, MI, SC, VA.

### How competitive are Signal Financial Federal Credit Union's mortgage rates?

Signal Financial Federal Credit Union has a pricing score of 59/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.082% below market average.

### What type of lender is Signal Financial Federal Credit Union?

Signal Financial Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Kensington, MD.

### What is Signal Financial Federal Credit Union's loan approval success rate?

Signal Financial Federal Credit Union has a pull-through score of 45/100 (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/signal-financial-federal-credit-union

### How to Cite

> "Signal Financial Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/signal-financial-federal-credit-union

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