What loan types does Credit Human Federal Credit Union offer?

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

Where does Credit Human Federal Credit Union offer mortgages?

Credit Human Federal Credit Union offers mortgages in 4 states: CO, LA, NC, TX.

How competitive are Credit Human Federal Credit Union's mortgage rates?

Credit Human Federal Credit Union has an overall pricing score of 87.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Credit Human Federal Credit Union?

Credit Human Federal Credit Union is a Credit Union headquartered in San Antonio, TX.

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Credit Human Federal Credit Union

Credit Union•San Antonio, TXHQ•Direct•Reviews near you on Google

Credit Human Federal Credit Union has 213 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

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

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 Human Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+14.5 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

213 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

160 loans · 0.09% above market

Sound

Top 60% of lenders

3/5

Refinance

53 loans · 0.31% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Sound	213	100.0%	+0.145%Above	$1,119Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume213

Mix100.0%

Spread

+0.145%Above

Fees

$1,119Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	160	75.1%	+0.092%Above	$1,252Fees
Refinance	Strong	Sound	Exceptional	Sound	53	24.9%	+0.308%Above	$707Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume160

Mix75.1%

Spread

+0.092%Above

Fees

$1,252Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume53

Mix24.9%

Spread

+0.308%Above

Fees

$707Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

213

Applications

321

Volume

$48 million

Pricing & Closing

Avg Rate Spread

+0.145%

vs. market APOR

Avg Net Fees

$1,119

Origination − Credits

Pullthrough Rate

66.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$228,192

Avg Borrower Income

$116,197

Avg Property Value

$287,066

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

4Full-year 2024 · HMDA

Loans originated

< 100100+None

South3

LANCTX

West1

Top Metro Areas by Place Specialization Score

New Orleans, LAMetro

Volume 87Mix 40.85% of portfolio

79/100

Strong

San Antonio, TXMetro

Volume 86Mix 40.38% of portfolio

69/100

Strong

Houston, TXMetro

Volume 14Mix 6.57% of portfolio

44/100

Sound

Top States by Place Specialization Score

LouisianaState

Volume 99Mix 46.48% of portfolio

69/100

Strong

TexasState

Volume 112Mix 52.58% of portfolio

64/100

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.