What loan types does Union Square Credit Union offer?

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

Where does Union Square Credit Union offer mortgages?

Union Square Credit Union offers mortgages in 3 states: NM, OK, TX.

How competitive are Union Square Credit Union's mortgage rates?

Union Square Credit Union has an overall pricing score of 83.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Union Square Credit Union?

Union Square Credit Union is a Credit Union headquartered in Wichita Falls, TX.

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Union Square Credit Union

Credit Union•Wichita Falls, TXHQ•Direct•Reviews near you on Google

Union Square Credit Union has 190 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

Exceptional

5/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Champion

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance
Particularly strong in FHA and VA loans

Explore another lender or local market

Report Card

Union Square Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+9.8 bps above market avg

5/5

Pull Through

Closing strength

Exceptional

Top 20% of lenders

5/5

By Loan Product· Specialization by type

Conventional

126 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

FHA

47 loans · 0.06% above market

Strong

Top 40% of lenders

4/5

17 loans · 0.50% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

132 loans · 0.08% above market

Strong

Top 40% of lenders

4/5

Refinance

58 loans · 0.14% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Sound	Strong	Strong	126	66.3%	+0.173%Above	$848Fees
FHA Loans	Exceptional	Strong	Exceptional	Exceptional	47	24.7%	+0.063%Above	$811Fees
VA Loans	Strong	Strong	—	—	17	8.9%	-0.497%Below	$615Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume126

Mix66.3%

Spread

+0.173%Above

Fees

$848Fees

FHA Loans

Overall

Exceptional

Product

Strong

Pricing

Exceptional

Pull Through

Exceptional

Volume47

Mix24.7%

Spread

+0.063%Above

Fees

$811Fees

VA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume17

Mix8.9%

Spread

-0.497%Below

Fees

$615Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Exceptional	Strong	132	69.5%	+0.079%Above	$750Fees
Refinance	Strong	Strong	Strong	Exceptional	58	30.5%	+0.141%Above	$983Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume132

Mix69.5%

Spread

+0.079%Above

Fees

$750Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume58

Mix30.5%

Spread

+0.141%Above

Fees

$983Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

190

Applications

255

Volume

$41 million

Pricing & Closing

Avg Rate Spread

+0.098%

vs. market APOR

Avg Net Fees

$822

Origination − Credits

Pullthrough Rate

74.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$219,947

Avg Borrower Income

$112,895

Avg Property Value

$288,579

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

3Full-year 2024 · HMDA

Loans originated

All statesNone

South2

OKTX

West1

Top Metro Areas by Place Specialization Score

Wichita Falls, TXMetro

Volume 167Mix 87.89% of portfolio

100/100

Exceptional

Top States by Place Specialization Score

TexasState

Volume 184Mix 96.84% of portfolio

70/100

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.