# RALLY CREDIT UNION

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


RALLY CREDIT UNION is a credit union, headquartered in Corpus Christi, TX, with 797 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300CPM35KXH0BZ823
- **Headquarters:** Corpus Christi, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.354%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $798
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 797
- **Dollar Volume:** $178 million
- **Applications Received:** 1,906
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $223,306
- **Average Borrower Income:** $111,841
- **Average Property Value:** $310,596

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 786 | +0.356% | $795 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 455 loans, Score: 74/100 (Strong)
- Refinance: 331 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 466 | $127M | +0.180% | Strong 😀 |
| Refinance | 80/100 | 331 | $51M | +0.512% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 797 | 0.23% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Corpus Christi, TX | TX | 376 | 100/100 |
| McAllen | TX | 213 | 93/100 |
| Brownsville | TX | 92 | 92/100 |
| Non |  | 86 | 49/100 |

## Where This Lender Ranks

RALLY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Corpus Christi, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Corpus Christi, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Corpus Christi, TX for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in McAllen for Conventional Loans
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in McAllen for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Brownsville for Conventional Loans
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Brownsville for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Corpus Christi, TX
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders)
- 🥈 **#2** in Corpus Christi, TX Credit Unions
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Corpus Christi, TX for Jumbo Loans
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in McAllen
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders)
- 🥈 **#2** in Brownsville
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders)
- 🥉 **#3** in Texas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Texas for Conventional Loans
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Texas for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in Texas for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#6** in Texas Credit Unions
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions)
- 🏆 **#17** in Texas
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders)
- 🏆 **#20** in Texas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does RALLY CREDIT UNION offer?

RALLY 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 RALLY CREDIT UNION offer mortgages?

RALLY CREDIT UNION offers mortgages in 1 states: TX.

### How competitive are RALLY CREDIT UNION's mortgage rates?

RALLY CREDIT UNION has a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.354% above market average.

### What type of lender is RALLY CREDIT UNION?

RALLY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Corpus Christi, TX.

### What is RALLY CREDIT UNION's loan approval success rate?

RALLY CREDIT UNION has a pull-through score of 60/100 (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/rally-credit-union

### How to Cite

> "RALLY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/rally-credit-union

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