Credit Union Mortgage Association, Inc.: 2025 mortgage rates, costs & approvals
How Credit Union Mortgage Association, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: CREDIT UNION MORTGAGE ASSOCIATION, INC. · LEI 549300DNWSJUNAWUM003
In 2025, Credit Union Mortgage Association, Inc. originated 1,269 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 45 states — 381st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.125% (all lenders: 6.625%); its median rate spread was 67 basis points below the national median. Median conventional loan costs were $4,720, 15% lower than the national median ($5,570).
It denied 4.5% of completed home-purchase applications (all lenders: 8.5%).
How Credit Union Mortgage Association, Inc. priced home-purchase loans
| Purchase loans, 2025 | Credit Union Mortgage Association, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.125% | 6.625% |
| 30-year fixed rate · FHA | 6.000% | 6.250% |
| 30-year fixed rate · VA | 5.750% | 6.125% |
| 15-year fixed rate · conventional | 5.375% | 5.875% |
| Rate spread vs. APOR · conventional | −0.53 pts | +0.13 pts |
| Total loan costs · conventional | $4,720 | $5,570 |
| Total loan costs · FHA | $9,440 | $11,310 |
| Total loan costs · VA | $4,950 | $6,490 |
| Origination charges (all types) | $1,300 | $1,860 |
| Borrowers paying discount points | 16.3% | 51.3% |
| Points paid, when paid (% of loan) | 0.96% | 0.87% |
| Borrowers receiving lender credits | 10.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Credit Union Mortgage Association, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Credit Union Mortgage Association, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| North Carolina | 220 | 262 | 4.3% | 6.250% | $3,870 |
| Virginia | 206 | 225 | 3.6% | 6.125% | $4,880 |
| Maryland | 197 | 228 | 4.0% | 6.000% | $4,810 |
| Pennsylvania | 87 | 98 | 4.1% | 6.125% | $4,840 |
| New York | 58 | 64 | 3.9% | 6.125% | $5,040 |
| Illinois | 55 | 61 | 2.0% | 6.000% | $6,340 |
| South Carolina | 54 | 65 | 8.6% | — | $4,550 |
| Florida | 44 | 56 | 14.7% | — | — |
| Kentucky | 39 | 44 | 4.3% | — | $3,980 |
| District of Columbia | 32 | 37 | 4.2% | — | $6,350 |
| California | 28 | 29 | — | — | — |
| New Jersey | 23 | 25 | — | — | — |
| Georgia | 23 | 23 | — | — | — |
| Texas | 17 | 18 | — | — | — |
| Ohio | 16 | 16 | — | — | — |
| Missouri | 13 | 13 | — | — | — |
| Tennessee | 13 | 13 | — | — | — |
| Washington | 12 | 12 | — | — | — |
| West Virginia | 11 | 15 | — | — | — |
| Massachusetts | 11 | 12 | — | — | — |
| Delaware | 10 | 11 | — | — | — |
| Oregon | 9 | 10 | — | — | — |
| Louisiana | 7 | 10 | — | — | — |
| Mississippi | 7 | 9 | — | — | — |
| Colorado | 7 | 8 | — | — | — |
| Indiana | 7 | 8 | — | — | — |
| Wisconsin | 7 | 8 | — | — | — |
| Arizona | 7 | 7 | — | — | — |
| Michigan | 6 | 6 | — | — | — |
| Connecticut | 5 | 6 | — | — | — |
| Alabama | 5 | 5 | — | — | — |
| Idaho | 4 | 4 | — | — | — |
| Minnesota | 4 | 4 | — | — | — |
| New Mexico | 4 | 4 | — | — | — |
| Wyoming | 4 | 4 | — | — | — |
| Montana | 3 | 4 | — | — | — |
| New Hampshire | 3 | 3 | — | — | — |
| Kansas | 2 | 3 | — | — | — |
| Maine | 2 | 2 | — | — | — |
| Oklahoma | 2 | 2 | — | — | — |
| Utah | 2 | 2 | — | — | — |
| Iowa | 1 | 2 | — | — | — |
| North Dakota | 1 | 1 | — | — | — |
| Rhode Island | 1 | 1 | — | — | — |
| Arkansas | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Credit Union Mortgage Association, Inc.'s page for that state.
Counties where Credit Union Mortgage Association, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bradford County, PA | 4 | 34 | 6.9% |
| Falls Church city, VA | 15 | 3 | 1.6% |
| Petersburg city, VA | 21 | 7 | 1.4% |
| Casey County, KY | 18 | 1 | 1.4% |
| Adair County, KY | 20 | 1 | 1.3% |
| Marshall County, MN | 19 | 1 | 1.3% |
| King George County, VA | 19 | 6 | 1.1% |
| Moore County, NC | 21 | 25 | 1.1% |
| Tioga County, PA | 21 | 3 | 0.9% |
| Taylor County, WV | 24 | 1 | 0.8% |
Check Credit Union Mortgage Association, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300DNWSJUNAWUM003.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Credit Union Mortgage Association, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology