# SECURITY SERVICE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/security-service-federal-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


SECURITY SERVICE FEDERAL CREDIT UNION is a credit union, headquartered in San Antonio, TX, serving borrowers across 3 states, with 1,002 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 14% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493008N1D96CHCTQC27
- **Headquarters:** San Antonio, TX
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CO, TX, UT
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 96.9%
- **Brokered/Wholesale:** 3.1%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.031%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-135
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,002
- **Dollar Volume:** $367 million
- **Applications Received:** 2,510
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $366,347
- **Average Borrower Income:** $184,172
- **Average Property Value:** $532,156

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 896 | +0.052% | $-174 | Strong 😀 |
| Jumbo | 81/100 | 106 | -0.484% | $844 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 465 loans, Score: 65/100 (Strong)
- Refinance: 431 loans, Score: 78/100 (Strong)

**Jumbo:**
- Purchase: 95 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 560 | $268M | -0.177% | Strong 😀 |
| Refinance | 78/100 | 442 | $99M | +0.263% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 849 | 0.24% | 82/100 |
| CO | 76 | 0.09% | 60/100 |
| UT | 67 | 0.15% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 499 | 86/100 |
| Non |  | 111 | 52/100 |
| McAllen | TX | 88 | 77/100 |
| Brownsville | TX | 46 | 75/100 |
| Corpus Christi, TX | TX | 39 | 62/100 |
| Austin | TX | 30 | 53/100 |
| El Paso, TX | TX | 21 | 51/100 |
| Dallas | TX | 20 | 45/100 |
| Houston | TX | 20 | 44/100 |
| Colorado Springs, CO | CO | 18 | 48/100 |
| Denver | CO | 18 | 45/100 |
| Pueblo, CO | CO | 16 | 50/100 |
| Provo | UT | 14 | 45/100 |
| Salt Lake City | UT | 11 | 42/100 |

## Where This Lender Ranks

SECURITY SERVICE FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in San Antonio Credit Unions
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in San Antonio for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in San Antonio for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Pueblo, CO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/pueblo-co/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Texas for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in McAllen for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Brownsville for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in San Antonio for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Corpus Christi, TX Credit Unions
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/credit-unions)
- 🏆 **#4** 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)
- 🏆 **#4** in El Paso, TX Credit Unions
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in El Paso, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Texas Credit Unions
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Texas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in San Antonio for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in McAllen
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders)
- 🏆 **#5** in Corpus Christi, TX
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders)
- 🏆 **#6** in McAllen for Conventional Loans
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Brownsville
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders)
- 🏆 **#7** in Brownsville for Conventional Loans
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SECURITY SERVICE FEDERAL CREDIT UNION offer?

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

### Where does SECURITY SERVICE FEDERAL CREDIT UNION offer mortgages?

SECURITY SERVICE FEDERAL CREDIT UNION offers mortgages in 3 states: CO, TX, UT.

### How competitive are SECURITY SERVICE FEDERAL CREDIT UNION's mortgage rates?

SECURITY SERVICE FEDERAL CREDIT UNION has a pricing score of 86/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.031% above market average.

### What type of lender is SECURITY SERVICE FEDERAL CREDIT UNION?

SECURITY SERVICE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Antonio, TX.

### What is SECURITY SERVICE FEDERAL CREDIT UNION's loan approval success rate?

SECURITY SERVICE FEDERAL CREDIT UNION has a pull-through score of 45/100 (Sound). 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/security-service-federal-credit-union

### How to Cite

> "SECURITY SERVICE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/security-service-federal-credit-union

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