Get & compare mortgage quotes anonymously Start in My Home
J
Unclaimed

JSC

Credit Union•Houston, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from JSC — 473 loans across 616 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Single State · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

JSC performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
455 loans · 0.88% above market
Sound
Top 60% of lenders
3/5
Jumbo
17 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
432 loans · 0.73% above market
Sound
Top 60% of lenders
3/5
Refinance
41 loans · 0.95% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Single State · 2 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume455
Mix96.2%
Spread
+0.884%Above
Fees
$89Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through—
Volume17
Mix3.6%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume432
Mix91.3%
Spread
+0.729%Above
Fees
$374Fees
Refinance
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume41
Mix8.7%
Spread
+0.946%Above
Fees
$26Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
473
Applications
616
Volume
$161 million
Pricing & Closing
Pullthrough Rate
76.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$342,019
Avg Borrower Income
$171,266
Avg Property Value
$296,333

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
All statesNone
South1
TX

Top Metro Areas by Place Specialization Score

1© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 438Mix 92.60% of portfolio
85/100
Exceptional
2© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 11Mix 2.33% of portfolio
40/100
Acceptable

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 473Mix 100.00% of portfolio
78/100
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
Champion(80%+ = 40-50 points)
Superstar
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.

Looking for a different lender?

Are you the owner of JSC?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.