What loan types does Credit Union One offer?

Credit Union One offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Credit Union One offer mortgages?

Credit Union One offers mortgages in 6 states: AZ, MI, MS, OK, TX, VT.

How competitive are Credit Union One's mortgage rates?

Credit Union One has an overall pricing score of 68.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Credit Union One?

Credit Union One is a Credit Union headquartered in Ferndale, MI.

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Credit Union One

Credit Union•Ferndale, MIHQ•Direct•Reviews near you on Google

Credit Union One has 286 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Multi-Region · 5 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Credit Union One performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+35.0 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

284 loans · 0.35% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

148 loans · 0.26% above market

Sound

Top 60% of lenders

3/5

Refinance

138 loans · 0.45% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 6 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Sound	284	99.3%	+0.353%Above	$405Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume284

Mix99.3%

Spread

+0.353%Above

Fees

$405Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	148	51.7%	+0.262%Above	$571Fees
Refinance	Strong	Strong	Strong	Strong	138	48.3%	+0.446%Above	$243Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume148

Mix51.7%

Spread

+0.262%Above

Fees

$571Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume138

Mix48.3%

Spread

+0.446%Above

Fees

$243Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

286

Applications

482

Volume

$60 million

Pricing & Closing

Avg Rate Spread

+0.350%

vs. market APOR

Avg Net Fees

$414

Origination − Credits

Pullthrough Rate

59.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$210,909

Avg Borrower Income

$111,007

Avg Property Value

$317,762

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 200200+None

Northeast1

Midwest1

South3

MSOKTX

West1

Top Metro Areas by Place Specialization Score

Traverse City, MIMetro

Volume 45Mix 15.73% of portfolio

77/100

Strong

Warren, MIMetro

Volume 105Mix 36.71% of portfolio

71/100

Strong

Detroit, MIMetro

Volume 60Mix 20.98% of portfolio

67/100

Strong

Grand Rapids, MIMetro

Volume 25Mix 8.74% of portfolio

53/100

Sound

Flint, MIMetro

Volume 10Mix 3.50% of portfolio

44/100

Sound

Top States by Place Specialization Score

MichiganState

Volume 281Mix 98.25% of portfolio

77/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.