# DATCU

> **Canonical URL:** https://saferate.com/lenders/datcu


> **📋 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


DATCU is a credit union, headquartered in Corinth, TX, with 114 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 6% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FOPGYPVP42FW34
- **Headquarters:** Corinth, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 94/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.162%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,039
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 114
- **Dollar Volume:** $35 million
- **Applications Received:** 246
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $310,351
- **Average Borrower Income:** $160,193
- **Average Property Value:** $481,228

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 110 | -0.168% | $1,038 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 52 loans, Score: 26/100 (Acceptable)
- Refinance: 58 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 26/100 | 56 | $20M | -0.166% | Acceptable 🙂 |
| Refinance | 48/100 | 58 | $16M | -0.158% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 114 | 0.03% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 76 | 69/100 |
| Fort Worth | TX | 18 | 52/100 |

## Frequently Asked Questions

### What loan types does DATCU offer?

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

### Where does DATCU offer mortgages?

DATCU offers mortgages in 1 states: TX.

### How competitive are DATCU's mortgage rates?

DATCU has a pricing score of 94/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.162% below market average.

### What type of lender is DATCU?

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

### What is DATCU's loan approval success rate?

DATCU has a pull-through score of 34/100 (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/datcu

### How to Cite

> "DATCU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/datcu

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