What loan types does Advancial Credit Union offer?

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

Where does Advancial Credit Union offer mortgages?

Advancial Credit Union is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Advancial Credit Union's mortgage rates?

Advancial Credit Union has an overall pricing score of 14.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Advancial Credit Union?

Advancial Credit Union is a Credit Union headquartered in Dallas, TX.

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Advancial Credit Union

Credit Union•Dallas, TXHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Advancial Credit Union — 439 loans across 583 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

National · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Rates typically 56 basis points above market average

Explore another lender or local market

Report Card

Advancial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+56.1 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

376 loans · 0.56% above market

Sound

Top 60% of lenders

3/5

Jumbo

63 loans · 0.59% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

340 loans · 0.56% above market

Sound

Top 60% of lenders

3/5

Refinance

99 loans · 0.54% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

National · 5 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	Acceptable	Sound	Mediocre	Acceptable	376	85.6%	+0.558%Above	$3,369Fees
Jumbo Loans	Strong	Strong	—	Strong	63	14.4%	+0.588%Above	$2,297Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume376

Mix85.6%

Spread

+0.558%Above

Fees

$3,369Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume63

Mix14.4%

Spread

+0.588%Above

Fees

$2,297Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Acceptable	340	77.4%	+0.565%Above	$3,344Fees
Refinance	Acceptable	Sound	Mediocre	Sound	99	22.6%	+0.538%Above	$3,013Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume340

Mix77.4%

Spread

+0.565%Above

Fees

$3,344Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume99

Mix22.6%

Spread

+0.538%Above

Fees

$3,013Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

439

Applications

583

Volume

$223 million

Pricing & Closing

Avg Rate Spread

+0.561%

vs. market APOR

Avg Net Fees

$3,287

Origination − Credits

Pullthrough Rate

75.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$510,125

Avg Borrower Income

$256,353

Avg Property Value

$793,200

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

45Full-year 2024 · HMDA

Loans originated

< 1010–2020–5050+None

Northeast9

CTMEMANHNJNYPARIVT

Midwest8

ILINKSMIMNMOOHWI

South15

ARDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Dllu · CC BY-SA 4.0

New York, NY-NJMetro

Volume 27Mix 6.15% of portfolio

52/100

Sound

2© Michael Barera · CC BY-SA 4.0

Dallas, TXMetro

Volume 29Mix 6.61% of portfolio

52/100

Sound

Los Angeles, CAMetro

Volume 16Mix 3.64% of portfolio

46/100

Sound

Houston, TXMetro

Volume 18Mix 4.10% of portfolio

45/100

Sound

Top States by Place Specialization Score

TexasState

Volume 78Mix 17.77% of portfolio

57/100

Sound

CaliforniaState

Volume 59Mix 13.44% of portfolio

54/100

Sound

New YorkState

Volume 32Mix 7.29% of portfolio

52/100

Sound

FloridaState

Volume 50Mix 11.39% of portfolio

52/100

Sound

New JerseyState

Volume 21Mix 4.78% of portfolio

48/100

Sound

WashingtonState

Volume 18Mix 4.10% of portfolio

46/100

Sound

ColoradoState

Volume 15Mix 3.42% of portfolio

43/100

Sound

LouisianaState

Volume 10Mix 2.28% of portfolio

40/100

Sound

PennsylvaniaState

Volume 12Mix 2.73% of portfolio

40/100

Acceptable

South CarolinaState

Volume 10Mix 2.28% of portfolio

39/100

Acceptable

Showing 10 of 11 states

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.