What loan types does Neches Federal Credit Union offer?

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

Where does Neches Federal Credit Union offer mortgages?

Neches Federal Credit Union offers mortgages in 1 states: TX.

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

Neches Federal Credit Union has an overall pricing score of 53.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Neches Federal Credit Union?

Neches Federal Credit Union is a Credit Union headquartered in Port Neches, TX.

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Neches Federal Credit Union

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

Neches Federal Credit Union has 98 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

Sound

3/5

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

Conventional

Superstar

Explore another lender or local market

Report Card

Neches Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+4.6 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

98 loans · 0.05% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

79 loans · 0.08% above market

Sound

Top 60% of lenders

3/5

Refinance

19 loans · 0.16% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 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	Strong	Sound	Sound	Strong	98	100.0%	+0.046%Above	$2,397Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume98

Mix100.0%

Spread

+0.046%Above

Fees

$2,397Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Strong	79	80.6%	+0.076%Above	$2,594Fees
Refinance	Strong	Sound	—	Exceptional	19	19.4%	-0.161%Below	$1,014Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume79

Mix80.6%

Spread

+0.076%Above

Fees

$2,594Fees

Refinance

Overall

Strong

Product

Sound

Pricing—

Pull Through

Exceptional

Volume19

Mix19.4%

Spread

-0.161%Below

Fees

$1,014Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

117

Volume

$21 million

Pricing & Closing

Avg Rate Spread

+0.046%

vs. market APOR

Avg Net Fees

$2,397

Origination − Credits

Pullthrough Rate

83.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$223,265

Avg Borrower Income

$136,510

Avg Property Value

$306,837

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

All statesNone

South1

Top Metro Areas by Place Specialization Score

Beaumont, TXMetro

Volume 83Mix 84.69% of portfolio

91/100

Exceptional

Top States by Place Specialization Score

TexasState

Volume 98Mix 100.00% of portfolio

65/100

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.