# JSC

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


> **📋 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


JSC is a credit union, headquartered in Houston, TX, with 473 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004RSPU71QRHYI22
- **Headquarters:** Houston, 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

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)


### Lending Volume
- **Total Loans:** 473
- **Dollar Volume:** $162 million
- **Applications Received:** 616
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $342,019
- **Average Borrower Income:** $171,266
- **Average Property Value:** $296,333

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 455 | +0.884% | $89 | Sound ☺️ |
| Jumbo | 65/100 | 17 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 417 loans, Score: 56/100 (Sound)
- Refinance: 38 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 432 | $148M | +0.729% | Sound ☺️ |
| Refinance | 43/100 | 41 | $13M | +0.946% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 473 | 0.14% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 438 | 85/100 |
| Dallas | TX | 11 | 40/100 |

## Where This Lender Ranks

JSC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Houston for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#8** in Houston Credit Unions
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Houston for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does JSC offer?

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

### Where does JSC offer mortgages?

JSC offers mortgages in 1 states: TX.

### What type of lender is JSC?

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

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

JSC has a pull-through score of 64/100 (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/jsc

### How to Cite

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

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**[View Interactive Profile →](https://saferate.com/lenders/jsc)**