What loan types does MCT Credit Union offer?

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

Where does MCT Credit Union offer mortgages?

MCT Credit Union offers mortgages in 1 states: TX.

How competitive are MCT Credit Union's mortgage rates?

MCT Credit Union has an overall pricing score of 90.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is MCT Credit Union?

MCT Credit Union is a Credit Union headquartered in PORT NECHES, TX.

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MCT Credit Union

Credit Union•Port Neches, TXHQ•Direct•Reviews near you on Google

MCT Credit Union has 64 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

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Champion

Conventional

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

MCT Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+1.4 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

64 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

34 loans · 0.18% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

30 loans · 0.17% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Exceptional	64	100.0%	+0.014%Above	$1,045Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Exceptional

Volume64

Mix100.0%

Spread

+0.014%Above

Fees

$1,045Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Strong	34	53.1%	+0.185%Above	$2,068Fees
Refinance	Exceptional	Sound	Exceptional	Exceptional	30	46.9%	-0.168%Below	$48Credit

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Strong

Volume34

Mix53.1%

Spread

+0.185%Above

Fees

$2,068Fees

Refinance

Overall

Exceptional

Product

Sound

Pricing

Exceptional

Pull Through

Exceptional

Volume30

Mix46.9%

Spread

-0.168%Below

Fees

$48Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$11 million

Pricing & Closing

Avg Rate Spread

+0.014%

vs. market APOR

Avg Net Fees

$1,045

Origination − Credits

Pullthrough Rate

86.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$185,938

Avg Borrower Income

$123,922

Avg Property Value

$271,875

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 5050+None

South1

Top Metro Areas by Place Specialization Score

Beaumont, TXMetro

Volume 54Mix 84.38% of portfolio

83/100

Exceptional

Top States by Place Specialization Score

TexasState

Volume 64Mix 100.00% of portfolio

62/100

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.