# EAST TEXAS PROFESSIONAL Credit Union

> **Canonical URL:** https://saferate.com/lenders/east-texas-professional-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


EAST TEXAS PROFESSIONAL Credit Union is a credit union, headquartered in Longview, TX, with 181 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300M59800JNGYFP30
- **Headquarters:** Longview, 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: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.618%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $42
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 181
- **Dollar Volume:** $34 million
- **Applications Received:** 326
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $185,663
- **Average Borrower Income:** $120,895
- **Average Property Value:** $340,083

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 179 | +0.621% | $42 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 27 loans, Score: 33/100 (Acceptable)
- Refinance: 152 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 28 | $8M | +0.151% | Acceptable 🙂 |
| Refinance | 75/100 | 153 | $26M | +0.717% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 181 | 0.05% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Longview, TX | TX | 119 | 95/100 |
| Non |  | 50 | 48/100 |

## Where This Lender Ranks

EAST TEXAS PROFESSIONAL Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Longview, TX
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders)
- 🥇 **#1** in Longview, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Longview, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does EAST TEXAS PROFESSIONAL Credit Union offer?

EAST TEXAS PROFESSIONAL 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 EAST TEXAS PROFESSIONAL Credit Union offer mortgages?

EAST TEXAS PROFESSIONAL Credit Union offers mortgages in 1 states: TX.

### How competitive are EAST TEXAS PROFESSIONAL Credit Union's mortgage rates?

EAST TEXAS PROFESSIONAL Credit Union has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.618% above market average.

### What type of lender is EAST TEXAS PROFESSIONAL Credit Union?

EAST TEXAS PROFESSIONAL Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Longview, TX.

### What is EAST TEXAS PROFESSIONAL Credit Union's loan approval success rate?

EAST TEXAS PROFESSIONAL Credit Union has a pull-through score of 69/100 (Strong). 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/east-texas-professional-credit-union

### How to Cite

> "EAST TEXAS PROFESSIONAL Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/east-texas-professional-credit-union

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