# ABILENE TEACHERS Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/abilene-teachers-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ABILENE TEACHERS Federal Credit Union is a credit union, headquartered in Abilene, TX, with 91 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300A8TEVE8WYT0T29
- **Headquarters:** Abilene, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.732%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $454
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 91
- **Dollar Volume:** $11 million
- **Applications Received:** 153
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $120,055
- **Average Borrower Income:** $88,516
- **Average Property Value:** $222,033

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 91 | +0.732% | $454 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Refinance: 91 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 71/100 | 91 | $11M | +0.732% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 91 | 0.03% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Abilene, TX | TX | 76 | 80/100 |
| Non |  | 13 | 30/100 |

## Where This Lender Ranks

ABILENE TEACHERS Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Abilene, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Abilene, TX
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does ABILENE TEACHERS Federal Credit Union offer?

ABILENE TEACHERS Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ABILENE TEACHERS Federal Credit Union offer mortgages?

ABILENE TEACHERS Federal Credit Union offers mortgages in 1 states: TX.

### How competitive are ABILENE TEACHERS Federal Credit Union's mortgage rates?

ABILENE TEACHERS Federal Credit Union has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.732% above market average.

### What type of lender is ABILENE TEACHERS Federal Credit Union?

ABILENE TEACHERS Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Abilene, TX.

### What is ABILENE TEACHERS Federal Credit Union's loan approval success rate?

ABILENE TEACHERS Federal Credit Union has a pull-through score of 37/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/abilene-teachers-federal-credit-union

### How to Cite

> "ABILENE TEACHERS Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/abilene-teachers-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/abilene-teachers-federal-credit-union)**