# AUSTIN TELCO

> **Canonical URL:** https://saferate.com/lenders/austin-tel


> **📋 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


AUSTIN TELCO is a credit union, headquartered in Austin, TX, serving borrowers across 3 states, with 54 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 75% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493003WN6DPWM6VYA67
- **Headquarters:** Austin, TX
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MI, SC, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.249%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,242
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 54
- **Dollar Volume:** $15 million
- **Applications Received:** 134
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $286,296
- **Average Borrower Income:** $188,426
- **Average Property Value:** $575,926

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 52 | +0.260% | $2,095 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 39 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 15 | $8M | -0.088% | Mediocre 😐 |
| Refinance | 48/100 | 39 | $7M | +0.370% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 52 | 0.01% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Austin | TX | 48 | 69/100 |

## Frequently Asked Questions

### What loan types does AUSTIN TELCO offer?

AUSTIN TELCO offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AUSTIN TELCO offer mortgages?

AUSTIN TELCO offers mortgages in 3 states: MI, SC, TX.

### How competitive are AUSTIN TELCO's mortgage rates?

AUSTIN TELCO has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.249% above market average.

### What type of lender is AUSTIN TELCO?

AUSTIN TELCO is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Austin, TX.

### What is AUSTIN TELCO's loan approval success rate?

AUSTIN TELCO has a pull-through score of 25/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/austin-tel

### How to Cite

> "AUSTIN TELCO Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/austin-tel

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