What loan types does TEXELL Credit Union offer?

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

Where does TEXELL Credit Union offer mortgages?

TEXELL Credit Union offers mortgages in 1 states: TX.

How competitive are TEXELL Credit Union's mortgage rates?

TEXELL Credit Union has an overall pricing score of 80.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is TEXELL Credit Union?

TEXELL Credit Union is a Credit Union headquartered in Temple, TX.

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TEXELL Credit Union

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

TEXELL Credit Union has 113 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

Sound

3/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

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

TEXELL Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+25.5 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

113 loans · 0.26% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

43 loans · 0.12% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

70 loans · 0.34% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 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	Exceptional	Strong	113	100.0%	+0.255%Above	$1,156Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume113

Mix100.0%

Spread

+0.255%Above

Fees

$1,156Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	43	38.1%	+0.123%Above	$1,812Fees
Refinance	Strong	Strong	Exceptional	Strong	70	61.9%	+0.345%Above	$709Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume43

Mix38.1%

Spread

+0.123%Above

Fees

$1,812Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume70

Mix61.9%

Spread

+0.345%Above

Fees

$709Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

113

Applications

208

Volume

$19 million

Pricing & Closing

Avg Rate Spread

+0.255%

vs. market APOR

Avg Net Fees

$1,156

Origination − Credits

Pullthrough Rate

54.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$174,823

Avg Borrower Income

$104,381

Avg Property Value

$303,319

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

South1

Top Metro Areas by Place Specialization Score

Killeen, TXMetro

Volume 79Mix 69.91% of portfolio

79/100

Strong

Waco, TXMetro

Volume 12Mix 10.62% of portfolio

50/100

Sound

Austin, TXMetro

Volume 12Mix 10.62% of portfolio

47/100

Sound

Top States by Place Specialization Score

TexasState

Volume 113Mix 100.00% of portfolio

66/100

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.