What loan types does Rally Credit Union offer?

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

Where does Rally Credit Union offer mortgages?

Rally Credit Union offers mortgages in 1 states: TX.

How competitive are Rally Credit Union's mortgage rates?

Rally Credit Union has an overall pricing score of 81.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Rally Credit Union?

Rally Credit Union is a Credit Union headquartered in Corpus Christi, TX.

Unclaimed

Rally Credit Union

Credit Union•Corpus Christi, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Rally Credit Union — 797 loans across 2k applications— and benchmarked them against peer lenders 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

Strong

4/5

Conventional

Place

Exceptional

5/5

Single State · 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

Rally Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+35.4 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

786 loans · 0.36% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

466 loans · 0.18% above market

Strong

Top 40% of lenders

4/5

Refinance

331 loans · 0.51% above market

Exceptional

Top 20% of lenders

5/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 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	Strong	Exceptional	Strong	786	98.6%	+0.356%Above	$795Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume786

Mix98.6%

Spread

+0.356%Above

Fees

$795Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Exceptional	Sound	466	58.5%	+0.180%Above	$868Fees
Refinance	Strong	Exceptional	Strong	Sound	331	41.5%	+0.512%Above	$735Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume466

Mix58.5%

Spread

+0.180%Above

Fees

$868Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Sound

Volume331

Mix41.5%

Spread

+0.512%Above

Fees

$735Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

797

Applications

1,906

Volume

$177 million

Pricing & Closing

Avg Rate Spread

+0.354%

vs. market APOR

Avg Net Fees

$798

Origination − Credits

Pullthrough Rate

41.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$223,306

Avg Borrower Income

$111,841

Avg Property Value

$310,596

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

Corpus Christi, TXMetro

Volume 376Mix 47.18% of portfolio

100/100

Exceptional

McAllen, TXMetro

Volume 213Mix 26.73% of portfolio

93/100

Exceptional

Brownsville, TXMetro

Volume 92Mix 11.54% of portfolio

92/100

Exceptional

Top States by Place Specialization Score

TexasState

Volume 797Mix 100.00% of portfolio

82/100

Exceptional

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.

Looking for a different lender?

Are you the owner of Rally Credit Union?

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.