# UNITED FINANCIAL Credit Union

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

UNITED FINANCIAL Credit Union is a credit union, headquartered in Saginaw, MI, with 50 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 65% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001BHN5KL2O67M10
- **Headquarters:** Saginaw, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 50
- **Dollar Volume:** $8 million
- **Applications Received:** 75
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $162,800
- **Average Borrower Income:** $107,700

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 50 | +0.512% | $1,071 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 37 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 37 | $7M | +0.532% | Acceptable 🙂 |
| Refinance | 22/100 | 13 | $1M | +0.414% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 50 | 0.04% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Saginaw, MI | MI | 25 | 67/100 |
| Bay City, MI | MI | 10 | 49/100 |

## Frequently Asked Questions

### What loan types does UNITED FINANCIAL Credit Union offer?

UNITED FINANCIAL 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 UNITED FINANCIAL Credit Union offer mortgages?

UNITED FINANCIAL Credit Union offers mortgages in 1 states: MI.

### What type of lender is UNITED FINANCIAL Credit Union?

UNITED FINANCIAL Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Saginaw, MI.

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

UNITED FINANCIAL Credit Union has a pull-through score of 35/100 (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/united-financial-credit-union

### How to Cite

> "UNITED FINANCIAL Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-financial-credit-union

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