# UNIVERSITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/university-credit-union-ca

> **📋 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

UNIVERSITY CREDIT UNION is a credit union, headquartered in Los Angeles, CA, serving borrowers across 9 states, with 33 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 77% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300G5ZQEXZC4Y5G44
- **Headquarters:** Los Angeles, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AR, AZ, CA, FL, IL, OH, SC, TX, WA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.241%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,335
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 33
- **Dollar Volume:** $14 million
- **Applications Received:** 90
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $420,152
- **Average Borrower Income:** $180,576

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 18/100 | 33 | +0.241% | $2,335 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 22 loans, Score: 17/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 17/100 | 22 | $10M | +0.320% | Mediocre 😐 |
| Refinance | 21/100 | 11 | $4M | +0.055% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 23 | 0.01% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 15 | 53/100 |

## Frequently Asked Questions

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

UNIVERSITY 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 UNIVERSITY CREDIT UNION offer mortgages?

UNIVERSITY CREDIT UNION offers mortgages in 9 states: AR, AZ, CA, FL, IL, OH, SC, TX, WA.

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

UNIVERSITY CREDIT UNION has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.241% above market average.

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

UNIVERSITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Los Angeles, CA.

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

UNIVERSITY CREDIT UNION has a pull-through score of 23/100 (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/university-credit-union-ca

### How to Cite

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

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