Become a Partner Credit Union

We'll manage your entire mortgage program or any part of it you designate. With our help you'll be able to originate loans both in and outside your footprint whether you choose to own them or have us sell them on the secondary market. We'll service your loans with or without escrow accounts or customize a program so that you can outsource any and all of the functions you want to. A robust mortgage program will be seen by your members as one more great service coming from their credit union.

We design mortgage solutions to fit your needs. We don't impose our business model on your credit union. We deliver more than just great rates, programs, and member service; our solutions are backed by 20 years of experience, knowledge and credit union focus and are underpinned by leading-edge technology.

As your partner, we will not solicit your members for any product or service. We deliver on our motto, "Your Partner, Not Your Competitor".

You won't lose your member to a bank and they won't be solicited for products and services your credit union offers. CUMA is financially healthy, profitable, and continues to meet the minimum bet worth requirements of even the strictest secondary market investors.

Who we Serve

CUMA serves credit unions of any sizes. Although our smallest credit union is less than $2m in assets, but credit union partners who find the greatest success partnering with CUMA have one or more of the following:

• Assets that typically fall in the $100 million to $1.5 billion range

• Senior leadership who is committed to mortgage lending

• Dedicated Resources - Full or part NMLS registered loan officer

• Dedicated internal or external marketing department

Geographic Market

• Conventional Loans – Nationwide origination, processing, underwriting, and servicing

• FHA/USDA Loans – Limited to VA, MD, DC, FL, GA, NC, SC, WV,

• VA Loans - Nationwide origination, processing, underwriting, and servicing

• Reverse Mortgages – Limited to VA, MD, DC, FL, GA, NC, SC, WV,

Our History

Credit Union Mortgage Association (CUMA) was incorporated in 1978 as the nation’s first Credit Union Service Organization (CUSO) and now 40 years later we remain 100% credit union owned.  Headquartered just outside of our nation’s capital in Fairfax, VA, we exclusively serve credit unions nationwide.

CUMA is your best option for providing a turn-key or fully customized solution in all facets of first trust residential mortgage lending.

Our Mission is to:

• Support credit unions in the

• Origination

• Processing

• Underwriting

• Servicing of first trust residential real estate loans

• Access to the secondary market

• Deliver outstanding service and products to credit unions and their members

• Generate fee-income for participating credit unions

Get More Information and How to Get Started

      GET STARTED

Benefits of being a CUMA partner

• No Buy-Backs – CUMA assumes the risk for loans sold into the secondary market

• Risk Management –  CUMA manages the pipeline and pricing risks associated with your mortgage program

• Compliance –  CUMA handles reporting and compliance from origination to servicing

• Unique Loan Products – CUMA’s lending and servicing platform can accommodate any unique loan product the credit union wishes to offer

• Technology – Access to State of the Art Mortgage Technology at NO cost to the credit union!

Why partner with Credit Union Mortgage vs. our Competition?

• Rates - Competitive interest rates and a full product menu. CUMA’s profits flow back to our credit union partners so just like a credit union we are more focused on members, not profits!

• Fees - Lender fees well below the industry average

• Service - Outstanding service to you and your member!  We are committed to providing the same level of service your members have come to expect from their credit union!

• Income – CUMA distributes nearly 100% of its profits to credit union partners and shareholders with makes us unique among other partners!