What loan types does Texans offer?

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

Where does Texans offer mortgages?

Texans offers mortgages in 3 states: AR, IN, TX.

How competitive are Texans's mortgage rates?

Texans has an overall pricing score of 22/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Texans?

Texans is a Credit Union headquartered in Richardson, TX.

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Texans

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

Texans has 55 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

Acceptable

2/5

vs. all lenders

Pull-through

Mediocre

1/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 54 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Texans performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+53.5 bps above market avg

2/5

Pull Through

Closing strength

Mediocre

Bottom 20% of lenders

1/5

By Loan Product· Specialization by type

Conventional

55 loans · 0.54% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

20 loans · 0.39% above market

Mediocre

Bottom 20% of lenders

1/5

Refinance

35 loans · 0.74% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 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	Mediocre	Acceptable	Acceptable	Mediocre	55	100.0%	+0.535%Above	$3,167Fees

Conventional

Overall

Mediocre

Product

Acceptable

Pricing

Acceptable

Pull Through

Mediocre

Volume55

Mix100.0%

Spread

+0.535%Above

Fees

$3,167Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	20	36.4%	+0.390%Above	$3,268Fees
Refinance	Acceptable	Acceptable	—	Acceptable	35	63.6%	+0.736%Above	$3,026Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume20

Mix36.4%

Spread

+0.390%Above

Fees

$3,268Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume35

Mix63.6%

Spread

+0.736%Above

Fees

$3,026Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

252

Volume

$11 million

Pricing & Closing

Avg Rate Spread

+0.535%

vs. market APOR

Avg Net Fees

$3,167

Origination − Credits

Pullthrough Rate

21.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$206,455

Avg Borrower Income

$123,855

Avg Property Value

$440,769

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

3Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest1

South2

ARTX

Top Metro Areas by Place Specialization Score

Dallas, TXMetro

Volume 41Mix 74.55% of portfolio

63/100

Strong

Top States by Place Specialization Score

TexasState

Volume 53Mix 96.36% of portfolio

60/100

Sound

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.