What loan types does Texas Dow Employees Credit Union offer?

Texas Dow Employees Credit Union offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Texas Dow Employees Credit Union offer mortgages?

Texas Dow Employees Credit Union offers mortgages in 1 states: TX.

How competitive are Texas Dow Employees Credit Union's mortgage rates?

Texas Dow Employees Credit Union has an overall pricing score of 52/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Texas Dow Employees Credit Union?

Texas Dow Employees Credit Union is a Credit Union headquartered in Lake Jackson, TX.

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Texas Dow Employees Credit Union

Credit Union•Lake Jackson, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Texas Dow Employees Credit Union — 761 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Strong

4/5

Single State · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Texas Dow Employees Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+47.9 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

719 loans · 0.49% above market

Strong

Top 40% of lenders

4/5

FHA

28 loans · 0.32% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

646 loans · 0.45% above market

Strong

Top 40% of lenders

4/5

Refinance

115 loans · 0.71% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 5 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	Strong	Strong	Sound	Strong	719	94.5%	+0.490%Above	$1,060Fees
FHA Loans	Strong	Sound	Strong	Sound	28	3.7%	+0.315%Above	$946Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume719

Mix94.5%

Spread

+0.490%Above

Fees

$1,060Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume28

Mix3.7%

Spread

+0.315%Above

Fees

$946Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Sound	Strong	646	84.9%	+0.445%Above	$896Fees
Refinance	Sound	Strong	Acceptable	Strong	115	15.1%	+0.712%Above	$2,283Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume646

Mix84.9%

Spread

+0.445%Above

Fees

$896Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume115

Mix15.1%

Spread

+0.712%Above

Fees

$2,283Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

761

Applications

1,058

Volume

$213 million

Pricing & Closing

Avg Rate Spread

+0.479%

vs. market APOR

Avg Net Fees

$1,069

Origination − Credits

Pullthrough Rate

71.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$281,084

Avg Borrower Income

$140,979

Avg Property Value

$334,593

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

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Victoria, TXMetro

Volume 90Mix 11.83% of portfolio

94/100

Exceptional

Houston, TXMetro

Volume 523Mix 68.73% of portfolio

85/100

Exceptional

San Antonio, TXMetro

Volume 11Mix 1.45% of portfolio

40/100

Sound

Dallas, TXMetro

Volume 12Mix 1.58% of portfolio

40/100

Acceptable

Top States by Place Specialization Score

TexasState

Volume 761Mix 100.00% of portfolio

81/100

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.

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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.